BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 
" This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. 

The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 

XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this 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 explanation
Consumer complaint received 2015-09-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called Barclay and closed my credit card months ago. Paid the amount the woman on the line noted and I thought I was done. Then months later I get an email that there is a balance? I call them and they will not help me without the card number. I do not have the card number and destroyed everything to do with it. Then they ask for my SSN #, birthdate, and everything else and then hang up. Barclays shared my information with at least XXXX other support firms around the World and are encouraging identity theft with their practices. Why do I have to give up all of this info for an inquiry? How do I resolve this matter when I give the info and they hang up. They used XXXX for their login page and ask for your SSN #, when XXXX IS NOT SECURE? BARCLAYS IS A SCAM!!!!!!! They have no desire to resolve the matter and certainly enjoy the encouragement of personal identity theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I have a Banana Republic credit card managed by Synchrony Bank. The interest rate on balances is 24 % and I 'd like to transfer my balance to a no/low interest account. However, the BR card rep is telling me this not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Optio Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempting to collect {$5100.00} for work that would have been no more than {$1900.00} if the work would had been completed. {$1000.00} was paid prior to the start of any work. 

I have received a " second notice '' dated XX/XX/2023, after sending my requests and disputing debt with XXXX XXXX XXXX to the address listed on the notice as indicated on the notice. This notice has a different out of state address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and same phone number XXXX XXXX, with only recorded lines. First correspondence was sent on XX/XX/2023, with and estimated delivery of XX/XX/XXXX Tracking # XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as indicated on the collection notice. I have yet to receive communication regarding completing work or an itemization of actual work done. 

This company is using unethical practices to collect debts that are not owed to them. 

Documents attached showing {$1000.00} payment, estimate for work that XXXX was contracted, and picture of a portion of the incomplete work. Half of area painted, and paint does not match. I will be sending another certified letter to the new address provided on today XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.

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 2015-10-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This is in reference to Barclay Card. They are not only calling outside of the XXXX - XXXX timeframe, which I have a log of when they call, but they have repeatedly called me at work at XXXX. When they call at work, I am on a recorded and monitored line and I could be fired for such calls.

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 2017-02-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I reported XXXX fraudulent charges on my Banana Republic credit card which is through GE Capital Bank on or about XX/XX/XXXX in the amount of {$320.00} spanning XX/XX/XXXX to XX/XX/XXXX. As of XX/XX/XXXX, the charges had not been removed form my account so I called and was told to wait as they would be removed by next billing cycle. As of today, XX/XX/XXXX, the charges have still not been removed and I have been charged late fees in the amount of {$50.00}. Upon calling again, I am told that only a portion of the fraud has been investigated and it is 'approved ' but still not credited back. Approximately another {$90.00} has no status.

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 2016-05-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a XXXX card through Barclay bank 2 years ago. There was a fraud after the second time of use. I did not use until XXXX or XXXX 2015. Immediately, someone was using the card on XXXX XXXX. I got a phone call and email to remind me that was a possible fraud in XXXX, the amount is about {$110.00} for gasoline and pizza, while I was at home in XXXX. I called to confirm the fraud and asked to cancel the card. However, it was nightmare that the payment due reminder kept sending to me. I called more than 5 times to tell the bank that was fraud and the card was cancelled. It continued to email to me for more than 6 months. I also received tons of magazines but the name was not my name. I am not sure if they are related. 
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. Thanks.

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 2016-08-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their 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 2017-02-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Continued to call and threatening me calling at different times and stating someone will be waiting on me with legal documentation outside of my home and job

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 2017-03-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..

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 2016-05-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX, CA-XXXX XX/XX/XXXX XXXX Senior Specialist, Corporate Consumer Relations, Synchrony Bank XXXX, SD XXXX Subject : CFPB Case # XXXX AEO, Inc Account Number Ending in XXXX AEO, Inc Account Number Ending in XXXX Dear XXXX, As per your respond on XXXX XXXX XXXX, you requested delete AEO, Inc hard inquiry from XXXX XXXX XXXX. ( Your respond attached ) However already 60 days passed and still remains on my XXXX credit bureaus report. ( credit report attached ) Please be good enough to delete that hard inquiry as soon as possible. 
And I am using card almost more than 6 months and if possible to reconsider upgrade my card to XXXX Card. 

Thanks 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 non-monetary relief
Consumer complaint received 2016-09-28
Company: SYNCHRONY FINANCIAL
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled!

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 2016-11-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I used my " in case of emergency '' credit card to get a hamburger for XXXX in XX/XX/2016. I never got a bill on the mail since then. I received a letter from from them saying acct closed till paid in full. Sum XXXX. I asked forgiveness for the oversize and was told that I would be reported to the credit bureau for bad credit. I did pay for the hamburger. Not the trumped fees. Can you help 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 monetary relief
Consumer complaint received 2016-05-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Rewards

Complaint:
For the third year in a row I have not received a check for rewards from Sam 's Club Rewards credit card. Amounts due are always on statement, that 's how I know I have cash amount due. Each year they say they sent it with my statement. Previous years they sent a new check. This year ( XXXX/XXXX/2016 ) I was told by a representative that they no longer issue replacement checks. They stated they would credit my account and did not give a time frame. I called back ( XXXX/XXXX/16 ) and was told 30 days for a refund that was due in cash, but is now a credit. I am writing as i imagine there may be other complaints, as this is not the first time Sam 's Club has not kept up their end of the bargain, as a few years ago I had restitution for early hours not being honored. I do n't expect anything more to come of this but awareness and timely, accurate retrieval of funds owed, and accurate information from phone calls. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief