BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a patient of a XXXX in XXXX Oregon and needed some XXXX performed. The XXXX provided me with a credit application and I was approved. I did not know that it was an application for an outside agency called CareCredit / Synchrony Bank, but rather, I was under the impression that it was the XXXX office line of credit not a credit organization or banking institution. I was issued credit and never was informed that it was through a bank or credit agency. I have been paying payments in the amount of {$85.00} up to {$100.00} at the rate of 26.99 % interest in the unpaid principal. Of my payment of {$85.00} or {$100.00} only {$3.00} is being applied to the principal. At the rate of 26.99 % interest I will never get this bill paid. I feel that I was misinformed by the XXXX office that I was applying to an outside agency for credit, and then once the XXXX worked on me I have this unpaid balance on credit that will never be paid off in my lifetime. I believe this is unfair business practice by the XXXX and unfair business practice by CareCredit/Synchrony Bank for over charging of interest on the unpaid balance.

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 2016-02-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: UHG, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Debt collector is calling before XXXX on multiple Occasions. They have my address so they clearly know where I live and that it is in pacific time. It has happened several times as early as XXXX XXXX. I asked them to stop and why would they call so early when its obvious the time given you have my address so therefore should know my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Account Brokers Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Bankruptcy filed in XXXX 2015. All creditors have removed from my report charges due to bankruptcy. EXCEPT for ACCOUNT BROKERS OF XXXX ( XXXX ) XXXX. They continue to RE-REPORT these bankruptcy charges to XXXX who Re-Investigates and Re-Reports them to my credit. Which STARTS THE CLOCK OVER, AND DESTROYS MY CREDIT. I have sent the letter verifying the bankruptcy from my lawyer and the date this was filed in court. They have received this letter NUMEROUS TIMES! Unfortunately, I had to file for bankruptcy for medical bills. I was hospitalized for 10 days - was fired for missing work, and they cancelled my insurance- I attend college Full-time and work XXXX jobs. This was not in my control. But when this reporting agency continues to RE-REPORT the same charges, I will never be allowed to move on from this. 
Also XXXX from Account Brokers of XXXX talks to me in a demeaning manner, and raises her voice at me. She is very unprofessional, and continues to make me feel like a criminal. 
Please research this, and help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.

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 2015-07-09
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a PayPal credit account 2 years ago because I was offered {$10.00} off my first purchase. I thought I had paid it but was contacted a few months later saying I owed the balance plus interest. I was confused because I had never been contacted before that and had n't seen any balance owed in my paypal account. I paid the balance and asked to have my account closed because I did n't need it and did n't want it. I just received a phone call from a collection agency stating I owe over {$50.00} for an item that was charged a year ago plus interest accrued. It was my understanding I had closed this account months prior to that. I received no contact from PayPal stating I owed them anything at any point in time, nor do I remember ever making a purchase on the credit account. My account always showed a {$0.00} balance when I would log in online. Looking online I see they have gotten in trouble for doing this to many people. I have spoken to them over the phone and they are unreceptive and push me off to the collection agency, who is also unreceptive and pushes me back to PayPal, who pushes me back to the credit agency and so forth. When I referenced that I read many other people were having this problem with them as well they played dumb and denied it. Very shady. These people should not be allowed to do business. What 's more is I have a collection agency after me at a time that I am applying for a mortgage for my first house! I 'm upset that this could hurt my credit score. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I applied for a mortgage modification after my husband became very sick and was subsequently fired. After applying for the modification, CitiMortgage continued to send the same documents multiple times that contradicted the other and asked for the same documents multiple times. Eventually, we became concerned that our lender did not know what was going on with our modification and we began to contact our Homeowner Support Specialist as to why we continued to receive these letters and no one could answer our questions. We were passed from supervisor to supervisor with no answers until we finally received a new Homeowner Support Specialist who could still not answer our questions as to why we continued to receive the same letters over and over again, but ensured us that everything was received and we could disregard the letters that we received and to continue to make our monthly trial payments until the modification was finalized. 
On XXXX XXXX, 2015 we received an email from CitiMortgage that said, " We have received the signed documents you sent and your mortgage loan modification with CitiMortgage is now finalized. Thank you, and congratulations! We sincerely hope this mortgage payment assistance is beneficial. '' Now, almost three ( 3 ) months later, CitiMortgage informed us that our modification was denied and we now have to pay more than what our mortgage was before we began the modification process. We contacted CitiMortgage and told them we received in writing that our modification was " finalized '' and did n't know there were any issued and was told that " just because we received something that says 'finalized ' does n't mean that it is really finalized. '' When asked if CitiMortgage could locate the email sent to me advising that our modification was finalized, we were told their documents were down and it could not be pulled up at that time. 
We are at a loss of what to do given that we are continuously passed around from department to department and from supervisor to supervisor with no answers except for we did n't return all necessary documents to complete the modification. However, when we ask what documents were missing, CitiMortgage can not identify which documents were missing. 
Any advice would be much appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: CATHAY BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a student checking account at Cathay Bank. They switched my account to a Personal Checking account with a daily minimum balance of {$1000.00} WITHOUT informing me in writing. The only indication that my bank account type has changed is the {$10.00} maintenance fee on my XXXX monthly statement. While their current website says the student checking account is only valid for XXXX years, it does not say, and I was never informed, that my student checking account would be AUTOMATICALLY AND WITHOUT NOTICE changed into a Personal Checking account with a XXXX monthly maintenance fee. Had they informed me, IN WRITING, I would have closed my account and created a new student checking account, as I am still a student. They later told my power of attorney XXXX PoA XXXX that in order to renew a student account, I had to fly back personally, XXXX, to do so, even though my student status is unchanged. 

When my PoA went to the bank, on XXXX, a teller told her only that the {$10.00} maintenance fee was because my new account type had a minimum balance that we did not meet. To rectify this, my representative wrote a check for {$500.00} to Cathay Bank to satisfy it, since she was only told verbally that there was one. No bank personnel advised my PoA that this was a DAILY minimum balance rather than a monthly minimum, and they failed to give us the relevant Bank Account Disclosures for the new Personal Checking account. 

When my PoA returned to close the account on XXXX with an account representative, she was told that we were charged another {$10.00} in XXXX because we were under the {$1000.00} for a few days, which again, nobody informed us was a DAILY minimum. Had they given me the account disclosure materials, in writing, we would have known that this was a DAILY and not a MONTHLY minimum balance before they charged another {$10.00} in maintenance fees. Consequently, because they deducted the second {$10.00} in fees for XXXX, they informed us that we would see another {$10.00} deducted in XXXX because the new {$10.00} they deducted for XXXX officially put my account below the {$1000.00} daily minimum balance again. 

Had they advised us IN WRITING before changing my account type and then given us the Bank Account Disclosures, I would not have been deducted {$30.00} in maintenance fees due to their negligence. One of the agents at the bank, after some time arguing with my PoA, agreed to consider making an internal note waiving one of the {$10.00} fees but " but we will be charged in XXXX as well. '' The staff at Cathay bank refused to let my PoA close our account, claiming that we had a safety deposit box with them, which is neither here nor there, given that we could have removed the safety box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was offered a job by XXXX XXXX as a XXXX. I was given two weeks probation period. The company paid off my credit card debt with a XXXX XXXX checking account for my first order, which totaled XXXX. I bought gift cards for the company that totaled that amount, since they told me they had XXXX customers that buy their merchandise. My credit card company is Citibank. Citibank posted the payment and I went on to my next order. The company paid off my credit card again and I did the next purchasing. This went on for XXXX different orders for a total of XXXX. Payments were eventually returned to my credit card and now my credit card has a big balance. At one point it took Citibank twenty days to return the payment. Customer Service Reps tell their customers payments will take three days to post. XXXX XXXX opened up a fraudulent account and citibank took too long to return the payments. Both of these banks took advantage of me, as well as XXXX XXXX, who said he was a supervsior at XXXX XXXX. My employment papers had an XXXX number. I did a lot of research and found a XXXX XXXX XXXX number also. XXXX XXXX has an office in XXXX, but their headquarters are in 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 2015-06-11
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.

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 2016-02-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
XXXX XXXX - I paid off my Sear card balance of {$700.00} XXXX XXXX - I buy supplies at XXXX to replace my kitchen sink {$120.00} XXXX XXXX - I make a payment of {$330.00} to payoff the supplies and kitchen sink purchased online XXXX XXXX - The XXXX 's charge for the sink is posted {$210.00} XXXX XXXX - My most recent payment is not posted. I am charged finance charges. 
XXXX XXXX - I call Sears to see what has happened. Support is poor. They can not accept a pdf copy of my receipt and do n't answer the fax number they gave me for the fax copy. I call CFPB online to report shenanigans!

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 2016-07-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I called customer service of my AT & T Universal Card, administrated by Citibank, because of late charge that was assessed on my account. I mailed my full payment of about {$78.00} a week in advance but because, I suppose, of XX/XX/XXXX holiday, it was processed the next day after due date. I was assessed a {$25.00} late fee and an interest on that {$78.00} balance. 

Yesterday, when I called I was placed on hold for about an hour or so, and then I gave up. 

Today, all their listed numbers for my credit card has a broken automated system that eveybody has to go through before being connected to a human. I tried them several time and they all promptly switched me to Spanish, that I do n't understand, and they hanged up. When I tried the general number listed for Citibank cards services, they made me listen for about five minutes of their irritating advertisements and then transfered me to a subscription line for a service I did n't want from which I could not back out. 

This was not the first time I had this kind of problem with Citibank. 

Altogether, I wasted over an hour without having a chance tomdispute my problem with someone.

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 2015-07-13
Company: FMS Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation