BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Delinquent account

Complaint:
I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
My Lowes Consumer credit card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account which was done on XXXX, there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my account XXXX/XXXX/2016 after they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am.

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 2016-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Despite repeated occasions of telling Portfolio Recovery Systems that they are calling the wrong party, they continue calling me at home, at work, and on my cell phone. In the beginning, while trying to reason with them, they told me that the debt was from XXXX XXXX. I have NEVER done business with XXXX XXXX. My credit rating is in the XXXX on all credit reporting services, and yet they continue to harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, 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 2018-03-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems has been reporting a collection that they allegedly opened on XX/XX/16 for Wellstar for {$150.00}, but XXXX   does not have any record of a visit or a debt owed. The false reporting to all 3 credit bureaus has had a very negative affect on my credit rating, and I would like it removed. XXXX has confirmed that they have no record of this debt, and that Medical Data Systems is reporting falsified information to the credit bureaus.

My Guarantor ID with XXXX   is 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 2016-06-22
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Issue: Other

Complaint:
I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with 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 explanation
Consumer complaint received 2015-09-25
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Amazon credit card, Synchrony Bank, will not allow access to previous statements online unless you subscribe to paperless statements. Also, Amazon credit card, Synchrony Bank, does not allow access to third party bill aggregatowr such as File This unless one subscribes to online, paperless, statements. I would love to move to a paperless model but I fear, without commitments from the credit card companies, this will be more of a burden for me then the card issuing institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.

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 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I checked my account online I saw my credit cards said restricted. I called Capital One and they said they no longer wanted to do business with me and terminated my account due to my non-compliance but they never specified over the phone or through email what exactly occurred I believe they violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since there was no resolution to my last complaint, I am submitting it again. Not only did Equifax not address the negligence the company has had with my Consumer Credit Report, which it is their job to maintain and keep accurate, they provided me a number to their customer service, the same people who screwed up my credit report more when I called in to address the issue. I will not be calling that number as I have no faith in their ability to resolve this issue. I would like either a supervisor or competent employee that is not part of their CSR team to call be and help get this issue resolved which has been on going for over a year now. Since they can not seem to do their job, I will have to do it for them. I am uploading a copy of my Transunion credit report which is accurate. The accounts in question are my XXXX account, which they were not updating even though the creditor assured me they were sending the info, which I had called their CSR about, and they removed my positive trade line, you can see it on my XXXX report. Next is my XXXX XXXX account, which they were also not updating even though the creditor assured me they were sending the info, which was a store card but then was upgraded to a XXXX with a new trade line, again nowhere to be found on my Equifax report, again you can get the information from my XXXX report. Lastly the XXXX account has the wrong DOFD, which I have disputed many times and it always comes back verified very fast which leads me to believe that they do not investigate my dispute at all, as you can see the account is no longer on my XXXX report as they had the correct DOFD. Please make these correction or I will be forced to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2007 I submitted a Fraud Affidavit as I my credit card had been either lost or stolen. Subsequently charges appeared on my account which I was n't made aware of until I received a letter from a Collection Agency. I contacted the company in writing on several occasions asking for proof that these charges were in fact mine because the credit card had n't been in my possession since that time. They continue to write me letters stating their position has not changed and that I am liable for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I check My credit report weekly. I have found that Equifax has a XXXX account # XXXX XXXX XXXX XXXX reporting the amount owed at {$620.00} as of XXXX XXXX 2015. {$620.00} is the incorrect amount. Since this amount reporting is incorrect it should be deleted from my credit report as per FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent 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 2016-12-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is owed.

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 2016-11-08
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX XXXX I rcvd my first letter from XXXX XXXX XXXX Requesting Payment of Sams Club XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of two states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for Sam 's Club on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with XXXX for the last year on a previous debt which they also failed to validate as requested.

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 2016-06-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting agencies as not mine they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. I filed a complaint with you indicating that they would not respond to my letters and they finally responded and promised to send " statements for the life of the account '' ( see attached letter from them ) Despite repeated requests I 've received NOTHING from them.. This is a direct violation of the FDCPA 15 U.S.C. 1692e ( 2 ) ( a ) which prohibits the false representation of " the character, amount, or legal status of any debt ''.

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