BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law?? 

Thanks for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers credit

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 2017-02-21
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card
Issue: Rewards

Complaint:
Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.

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 2016-02-19
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
I purchased the order number, XXXX coast {$44.00} from walmart.com on-line using my walmart master card end number XXXX name on the card is XXXX XXXX XXXX, on XX/XX/XXXX, but since one on line site named XXXX was getting from my credit card $ XXXX, even i reporet dispute and froud to the credit card, so I closed the account on my request, but I asked the customer service representative to pay the balance, which is the amount of the oreder mentioned above, he told me to pay it in any walmart store, since he closed the account, on XX/XX/XXXX i payed {$44.00} by the order pay XXXX, by my XXXX XXXX XXXX XXXX XXXX vis card REF # XXXX, I received statment from the credit card to pay a balance for the same order, which i payed already. 
I called XXXX XXXX and XXXX XXXX from walmartonline.com, to update my payment to master card, they gave me on phone master card representative XXXX XXXX or XXXX?, who is asking me to take the responsibility to prove to him even he was contacted by walmart.com, and i told him i can mail to you the reset, or contact walmart to invistegate, but it was useless.there is no co-operation between the XXXX branches at the same company. 
i would appreciate if you can help me to solve this problem and not to have my credit history affected, Iattached is my documents.

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 2016-07-06
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Barclay Card under a promotional offer that I received for a statement credit with a {$500.00} minimum purchase and 12 Months 0 % interest financing on purchases and balance transfers. 

I made hte purchases and received the statement credit but have started to receive interest charges on my card for the first two cycles. I have contacted them multiple times to investigate and each time I end up talking to a supervisor and they state they will submit a case and it will take 5-7 days to resolve and that I may receive a reply to the case. If not I should call back. 

I have now called back 3 times and each time feel like I am given the run around. 

The card offer online is very clear and can be found here XXXX The offer reads : " Purchase and Balance Transfer Rate 0 % Introductory APR for the first 12 months on purchases and 0 % Intro APR for 12 months on each Balance Transfer. '' My current case that was opened today is case # XXXX My previous case number was 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 monetary relief
Consumer complaint received 2016-09-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
This is reference to Case number : XXXX. I sent a letter to Synchrony Bank requesting that they accept a {$500.00} payment to completely resolve this debt. I made a payment last month of {$750.00}. Over the course of 5 years, I 've made over {$3000.00} in payments on this card which thousands more than what was actually charged on the card. Synchrony Bank/Care Credit preys on the poor and offers quick solutions with unbelievably high interest that results in lenders staying in a cycle of never paying down their balance. When you 're told that you need XXXX done and you ca n't afford but there 's this card with no interest for the first 6 months, it sounds like a great idea. Had I known what I know now I would never have signed up for this card.

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 2015-06-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a GAP Visa credit card issued by Synchrony Bank. Synchrony allowed a transaction to go through that exceeded my credit limit. We were not notified and did not realize this happened until the next time we tried to use the card and it was declined. We immediately made a payment that more than covered the overcharge. However, the bank notified credit agencies that we exceeded our limit prior to receiving the payment. I called the bank to complain and asked how we can be reported for exceeding our limit when the bank authorized the payment. This makes no sense whatsoever! I was told that as a " courtesy '' the bank allows a certain amount of charges over my credit limit. I consider this a discourtesy, as I would have used a different credit card had I known that I had exceeded my limit. I asked the bank to have this courtesy service deactivated, and I was told this is not possible. I wonder how many other consumers have their credit damaged as a result of this " courtesy. '' Consumers should either have the right to have this service turned off, or the bank should be obligated to notify the consumer that their credit has been exceeded. I was told that this service is explained in my credit terms, but if it was, it was not called out prominently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX 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 2016-01-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company response to consumer: Closed with non-monetary relief