BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Other

Complaint:
Three times over the past several months I have made payment on my Synchronicity Bank/Sam 's Club Mastercard account, and the issuing bank has delayed posting available credit on the account for 7 days despite clearly stated policy on their website that credit for payments will be granted within 48 hours. The website states that it may take up to 48 hours for payments to post to an account, and offers no information about why credit may be withheld for a longer period of time. The cardholder agreement states ( in the section titled " When Payments are Due '' ), " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. '' In my opinion this is a vague statement, and it is in a section of the Account Agreement that it does not even relate to ( When Payments are Due ). 

In each instance I called customer service to inquire about the delay. In each instance I was given a different reason for the bank 's decision to withhold available credit, including 1 ) making two payments during a billing cycle in the same amount indicates possible fraud ( I did this while on business travel because the account was nearing it 's limit ) ; 2 ) making two payments in any amount during the same billing period indicates possible fraud ( I did this near the end of a billing cycle because the balance was nearing its limit and I wanted to continue using the card ) ; 3 ) making a single large payment indicates possible fraud ( I simply paid off the balance of the account a couple days into a new billing cycle ). 

For as long as I have had this account, I have never been late on a payment, I have never had a payment returned due to insufficient funds, and I have always paid off the entire balance before the end of the billing cycle. I have been harmed by this policy due to the fact that I have certain bills ( medical insurance premiums, in particular ), that I had planned to pay using the available credit on this account, however the credit was not made available within 48 hours as stated by the website when payment was made, and I had no other funds available to pay these bills in a timely manner.

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 2017-04-07
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voice message on my cell phone from a collection agency. The name of the agency was not provided. The female caller 's message gave a number and a website, XXXX. I was unable after several search attempts to find the site. 
I called the number provided and when I asked the name of the caller, i thought he said XXXX. 

This billing is related to charges by XXXX XXXX that they failed to submit to XXXX on my behalf in XX/XX/XXXX. During the conversation when I attempted to relate this information to XXXX he became very rude demanding that I " just pay up '' etc. 
Since I was n't able to communicate my situation with him, At present, I have not received a written request. 

I politely asked that the agency make no further phone calls to me. XXXX rather arrogantly replied " We 'll keep calling until you pay this balance. 

I have contacted XXXX and have confirmed as I had questioned XXXX XXXX XXXX in XX/XX/XXXX, that they had received only XXXX claims during the calendar year, XX/XX/XXXX totaling less than {$300.00}. I was billed for {$280.00} which I have attempted to pay, and discovered that XXXX of my payments were never recorded. 

I called the clinic business office today to get the name of the company, Synerprise Consulting. I then called the agency and requested XXXX full name, but was told there was no one there named XXXX. The person I spoke to was XXXX ( who would not provide his last name ). Her told me he had no idea who it was that I spoke, but finally admitted that the name is XXXX but refused to provide that last name as well. 

XXXX has arranged to send copies of the XXXX claims filed by the clinic in XX/XX/XXXX which are close to {$200.00} total. I visited XXXX doctors at the clinic in XX/XX/XXXX and also had regular XXXX because I am on XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The leftover fees for charges made after I left my apartment was paid in full. It was not suppose to be sent to the collection agency. I was told that it was their error and it would be deleted. 6 months later still no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The issue is with XXXX credit reporting in regards to Jefferson Capital XXXX while ago I had filed a dispute in regards to the amounts listed in the Charge off. Since that time, my credit has made a comeback, and I was able to receive funding for a new home loan. I was informed by my underwriter that I needed to have the dispute notifications taken off my report to be able to receive funding. I followed their instructions and called the reporting agency SEVERAL times to have the dispute remarks removed, and they started a report on the issue. 30+ days pass, and my underwriter contacts me again in regards to the same dispute remarks being there. So today I called back and spoke to them and they told me to pound dirt as there was nothing I could do as the creditor refused to remove the remark event though I agreed to the amounts and dropping the dispute. I feel that my credit is being held hosting from XXXX and Jefferson Capital as I now might lose my funding ( and GREAT percentage rate ) as the dispute remarks will not be taken off. I appreciate any assistance you can provide

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Performance Settlement, LLC
State: CA
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 got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2017 there is an inquiry from Citi mortgage on my XXXX credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called XXXX and they told me CITI mortgage is indeed pulled a credit on XX/XX/XXXX. I went back and forth and called Citi mortgage group this morning ( XX/XX/XXXX ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP and remove inquiry from my XXXX and any other credit bureaus ASAP

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 2022-04-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
accounts were open in my name, these are not mine!

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 2015-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: First Recovery Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from First Recovery Services or Solutions stating I took out a payday loan online in the amount of {$350.00}. I informed them that I had not taken out any payday loans online. I asked First Recovery Services what their address was. They would not provide it. I asked them to provide me with the date it was taken out. They that the loan was taken out prior to XX/XX/XXXX and charged off. I asked them to provide me with proof that there was a loan. They would not. 

The next person said the loan was refinanced by XXXX XXXX XXXX in XX/XX/XXXX and that more than {$500.00} is owed. Once again, they could not provide me with dates and would not provide me with proof. They said they would see me in court because I would not pay them. 

I have not taken out any payday loans and I certainly did not refinance anything in XX/XX/XXXX. I have never received notification nor have taken out such a loan. I continuously check my credit and no such creditor has been put on there. They provided me with an address that is more than 10 years old. 

They have called more than 10 times from various numbers. They had a guy from what they indicated was " their legal '' department also called me from an XXXX number and then he called three other times from XXXX. They have called various family members of mine in informing them that it is urgent to get a hold of me with and give them a claim number. They have contacted my significant other 's business four to five times. This loan is not mine and this is harassment.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Thanks for your help with # XX/XX/XXXXXXXX & # XXXX, XXXX XXXX and XXXX Hospital.. Experian refuses to remove this collection from my report. It was noted twice.. I have disputed this twice and Experian will no longer communicate with me.. On my recent credit report it states that XXXX  XXXX XXXX XXXX Hospital did not violate the fair credit reporting act. My understanding is they must give you 30 days to make payment. They went directly to collection without notifying me. I sent a letter of validation to XXXX XXXX XXXX XXXX Hospital They sent me a hospital bill and nothing else.. Experian continued to drop my credit score by approximately 100 points.I make my payments and am not late.Experian continues to send offers for Experian Boost for {$19.00} a month to increase my credit score.Am I the only one to see a conflict of interest? I would appreciate any help with this situation. 

Thank you, XXXX XXXX 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 2018-05-29
Company: Focus Holding Company
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX  from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX  is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-20
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/XXXX I went on Frontier Airlines website to purchase tickets for an upcoming trip. On their website there is a banner ad ( still there ) stating that you can get XXXX air miles if you take out the Frontier Airlines MasterCard ( Barclay Bank ). It says that you must pay a {$69.00} annual fee and spend {$500.00} or more within 90-days. I did this and received the approval and then booked with the card for over {$500.00}. I have been arguing with them for 3/4 of a year now about not receiving the air miles. They have finally determined that I am due XXXX air miles because I used the card too soon. There is nothing on the site that tells you not to do that, and it would appear that the intention of the site is to get you to take out the card so that you may buy the tickets. If I am having this problem, I would be willing to bet that XXXX other people are as well. It is false advertising and predatory to say the least.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Elderly ( XXXX years ) relative I do not reside with has received this message repeatedly : I have requested that the company does not call and yet they continue to receive repeated calls. 

" [ My name ] You now have until XXXX today to call our office or your file will be forwarded without your input and further action may be taken i can be reached at XXXX it is imperative that you call us back today all attempts have been documented. '' The term " further action may be taken '' seems to imply legal action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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 recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.

Company response to consumer: Closed with explanation