BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Reference Citibank Case # XXXX .... ( Assigned by a Mrs XXXX..Citibank ACH Dept XXXX XXXX ) In XXXX XXXX my Citibank Debit Card : XXXX was debited {$2000.00} for a cruise with Norwegian Cruises. This cruise was cancelled, and the XXXX XXXX XXXX XXXX Ms XXXX ) XXXX..said all monies for the trip were credited back to the debit card/checking accounts of origin on or shortly after XX/XX/XXXX. Again, the Citibank debit/checking account used was XXXX XXXX XXXX. Unfortunately, by the time the {$2000.00} credit was sent back to Citibank on XX/XX/XXXX, my checking/debit Card account was closed XXXX effective XX/XX/XXXX ). But, as a reminder, the account was in good status when the charge was originally made on XX/XX/XXXX. 
It is now XX/XX/XXXX, and I have been waiting for this payment since XX/XX/XXXX, the date XXXX XXXX has verified that the {$2000.00} was sent back to Citibank. Citibank gives me a different answer to my inquiry each time I call. I am told to call back in week. Recently as of XXXX, I was told to call back in 24-48 hours. Enough is enough. I need my money returned now, and a check issued to me as soon as possible.

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 2016-10-10
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this loan was received in 2000 for XXXX through XXXX XXXX now ( Navient ). Now in the last 8 years I have paid them XXXX a month a total of at least XXXX and they have sent me a balance of XXXX.Now how is this possible? It seems that a fraud concept is going on. I want you to check on this please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with USBank for almost 20 years. I thought they were the BEST Bank. Then I noticed bank charges for things I opted OUT of, that USBank sent out. 
When I asked why items were being paid when I had opted to NOT PAY IF the funds were NOT enough to do so. I never got a satisfying answer. Plus I was charged with OD Fees ; Multiple times. 
Then we were victims of Fraudulent activity on both our Checking & Savings Accounts. USBank closed our Checking Account right away, but left our Savings Account open for 3 months longer. It was even getting Interest added to it. I had to call in & ask about what was happening with our Savings Account before they FINALLY closed it. In the meantime, both my husband & I were treated & talked DOWN to like we were beings of the lowest order. 
Then AGAIN, just a couple of days ago, 3 items were paid even though I opted out. 
I called Customer Service to found out WHY? I was told at the time it was presented the first time, WE HAD the funds available, BUT the Merchant did n't take the payment. They let the hold expire & NOW they were coming back to get the funds ; so my optingout in THIS case did n't apply so on top of the negative balance the 3 items caused, I was going to be charged 3 overdraft fees. 
A week before the overdrafts happened, we ( my husband & I ) had decided to change banks. We got tired of the treatment you had gotten over the past few months. That 's the way they treat a customer who has been loyal off & on for almost 20 years? We 're DONE! We have paid out enough in fees.

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 2016-11-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Lowe 's credit card, that I have used for home improvement supplies. I am satisfied with Lowe 's customer service. But who is Synchrony Bank?? My first payment was {$88.00}, which I never saw deducted from my bank account, but was posted on Lowe 's website. I had a message from Synchrony bank that my payment was " returned '', even though I did not write a check, and I did not see it on my bank statement until I went to the store to pay it. This month I paid my due amount on the due date but I do not see it on my bank statement, it was posted on Lowe 's website. I sent a message regarding this silliness. but have not heard back. I asked if I needed to verify my bank information, but have not heard back. After pressing 1, pressing 2, whatever, I did not get to talk to a human. I have a credit card at XXXX, and it apparently my payment was easily done. I tried to call Synchrony to ask where is my Lowe 's payment?, in the cyber vault? I am a XXXX veteran, with a functioning concept of duty, and I have an excellent credit rating. 
I am waiting for a response to my e-mail question. If I could, I would pay the whole thing at Lowe 's and shop there without a credit card. I am going to try to do that. I have no problem with Lowe 's, but Synchrony is too big to care and even respond. My bank is a local bank and has never disappointed me. They seem to care about their customers.

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 2015-12-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For a few months in XXXX I struggled to pay my discover card. In XX/XX/XXXX, I enrolled in Discover 's payment plan to bring my account up-to-date. Since then, I have now brought account current. However, my card was suspended due to the missed payments in XXXX. 

I understand that it's important for organizations like Discover to have trustworthy clients. My personal hardships caused me to miss payments and tarnish my previously stellar relationship with the company. I'm asking for a second chance and have my card/account unsuspended so I may continue to develop my relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Seattle Service Bureau, Inc
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I was in the hospital, and for some reason the Physician bill did not go through my insurance. The bill was sent to collections, and the collections agency called me in XXXX of XXXX. I contacted the physician office, updated my insurance info, and they successfully processed the payment, and I was told I owe {$0.00} and that they would take the charge back from the collections agency and clear the charges. I was under the impression that I was in the clear. 

Fifteen months later ( XXXX XXXX, XXXX ), the National Service Bureau contacted me to inform me that 1 ) The charges still stand, and 2 ) I have had an outstanding charge in collections accruing interest for over a year with no notice. I went to the trouble of requesting a final bill/receipt from the physician 's office as well as an Explanation of Benefits from my Insurance company, both of which show a zero balance. 

I faxed these documents to the NSB, and then told me to give ten business days for processing. I followed up by calling the NSB on XXXX XXXX, XXXX. They informed me that they talked to " the Client '' ( who they would not specify, but who I assume is the Physician 's office ) and that the charges remain, which is in direct contradiction to my clear proof of zero balance. 

At this point, the charges still remain, the debt collectors have made very lazy attempts to contact me, and my credit score is suffering significantly because of a debt that I do not even owe. I believe their delay in resolving the issue despite clear evidence is intentional, and I have no choice but to file a complaint.

Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. 
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month. 

I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. 

This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX. 

Please help, thank you for anything you can do. - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. 
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. 
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.

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 2016-06-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.

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: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I told my debt collector that I got in XXXX different car accidents and that I had to pay for my deductible and car rental out of pocket along with being very ill. I told them that I could n't pay them at this time and that as soon as I get enough money that I would make a larger payment towards my debt. I was not working and that I only received SS for a XXXX and I get oaid once a month. I did have a part rime job but that ended several weeks ago. I asked them in a nice manner to stop calling me they said that they have to collect the debt and I told them I understood but they were making me sick harassing me and please stop to slow down the calls so that I can get better. They have nor stopped their calls at all they call every day, every XXXX minutes from XXXX to XXXX at night. I ca n't take this harassment anymore due to my XXXX XXXX. I 've told them that any time I had a problem paying that I would let them know and when able I normally double up on my payments to get back on track. I even created a post dated payment on their website for this month and they are still calling and now texting all the time. I 've literally gotten XXXX calls a day from the same company and they do n't even bother to leave a message they just call back every XXXX minutes. I never knew that this was exceptable behavior for a debt creditor and that although I owe the debt I have been with them for several years and have always paid. I 'm considering blocking or changing my number because I ca n't rest or do any daily activities in peace. I 'm in school too and they call all day and ca n't even concentrate, listen to instructor, or take a test in class in peace due to the constant calls. If you need documentation to prove my claims of harassment please ask me so that I can get my cell phone record from my phone 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 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I tried on several occasions to get on a reduced payment plan but they would n't accept anything less than {$150.00} plus even when I was homeless and only income was {$0.00}. The repeatedly told me that even if I had no income at all that {$150.00} was the minimum they could accept unless I was XXXX and even then I 'd still have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Other fee

Complaint:
the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX took funds from my account in the amount of {$2700.00} for a business not related to me in any way. Nor did I authorize the transaction. The funds were taken from my Capital One 360 Account

Company response to consumer: Closed with explanation