BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: Oliver Adjustment Co.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Value City Furniture card about a year ago as I was about ready to purchase a house. Some complication arose and I had to postpone my buy till next month. Now I contacted Synchrony twice to inquire when they would shut down the card due to inactivity. I spoke to XXXX csr on two separate occasions and was told 2 years and 18 months. Well about a year after the card was open, I get a credit alert that my card has been closed this weekend, and it has been nowhere near 2 years or even 18 months. I am infuriated as I thought I took measures for this not to happen, but due to XXXX csr who both gave me bad information, my card if now closed and I will have to figure out another way to buy furniture. I have already talked to more incompetent csr who say nothing can be done. If there is anything you can do I would appreciate it. I am just baffled as I took every step to make sure this did n't happen, but poor employee 's get my card shut down. The reason I asked was because I would have bought something small to keep the card open, which was why I asked on two separate occasions.

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 2015-11-06
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.

Company response to consumer: Closed
Consumer complaint received 2016-11-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased appliances total almost {$5000.00}, the contract was XXXX interest until XXXX XXXX ( minimum payment ( {$140.00} ). I have been paying pre scheduled weekly payments that totaled {$300.00} to {$350.00} every month until XXXX XXXX and changed it to Bi weekly and some weekly, paying smaller amounts thinking my payments should of been XXXX due by this time. This month I am showing a minimum payment {$210.00} and a past due of {$57.00} when I only owed XXXX to pay it off. 
The Customer Service agent I called and tried to explain something was wrong and that I was charged a late fee of XXXX when I should be way ahead of schedule. He was very rude. I am considering closing all my Synchrony Accounts if this is how they are going to treat their good 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 monetary relief
Consumer complaint received 2016-04-07
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Privacy

Complaint:
Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.

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 2017-02-15
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I 'm having a lot of issues with rush card prepaid card because I been with rush card for a year and some months and they been locking my card so I ca n't use it or withdraw off my money I get Social security and I have my direct deposit on my rush card every month and phone company been going on my account and taking money off my card without my permission and I will call rush card costumer service and they will hang up on me and rush card will have me on the phone on hold for hours at a time and they will never pick up the phone when they do they will argue with me saying it 's my fault and I allow the phone companies to take money off my card and it 's not true when I check my account balance i know some money been taking out of my account and rush card will tell me they put the money back on there and they never put the money back on my card and I 'm sick and tried of it something needs to be done about it asap it 's a constant thing with rush card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Other

Complaint:
Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.

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 2016-12-14
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have contacted this company several times regarding automatic payments. I have been told that I am only able to make reoccurring payments via setting this option up online via an account login. I have attempted in XXXX, and also today XXXX to complete this process with no avail. I get the run around when contacting this party or setting up a post dated payment. The system is not user friendly and blocks you out if you are pass due. This is trickery at its finest ; Then I have to hear a lecture when I am late on top of being contacted at my job. If you call them from a phone number they in tune save it and will call you the next month a day after your payment is due. Just because I contact you from a number does not give you the right to in turn contact me on it. Telling me I am late every month but not allowing me access to complete my payment on line is wrong and is effecting my credit when I forget to make a payment. I should be able to complete auto draft by a paper form or complete the set up in the store. I should not have late payments on my credit when I am trying to pay every-month on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: CAC Financial Corp
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for credit for XXXX from XXXX XXXX, a division of XXXX Bank! I have perfect credit with no adverse collections, and a perfect history for payment of a car loan timely and paid off, a student loan timely and paid off, and XXXX Bank just approved me for an XXXX Credit Card. They refused my application as when I originally applied there was an inaccurate negative collection with XXXX XXXX, that was removed as the account was paid timely in 2014, before collection. I should be allowed credit with XXXX XXXX today.

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 2017-01-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: SQUARETWO FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.

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 2017-01-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.

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 2016-09-01
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: Commonwealth Financial Systems, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I receive a retirement check of {$41.00} from XXXX bank XXXX New York. I did not receive it for the month of XXXX I contacted the bank and was asked to wait until the XXXX of XXXX which I did still did not receive it.I called today XXXX XXXX and was told it was cashed at the central bank in the XXXX.I am very upset this has never happened before. The XXXX bank wants me to wait for them to get the cashed check back before they do anything. I want to know how my check ended up in the XXXX XXXX when I live in The United States. This bank has had my retirement since I retired in XX/XX/XXXX so not having my address is not an issue I have received last months and the months before with no problem. It may not be much but it is mine. I want my checks on time as always.

Company response to consumer: Closed with explanation