BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Sunday, XXXX XXXX, 2016 XXXX, I received a free fraud text alert from BarclayCard concerning a {$300.00} charge at XXXX XXXX XXXX and was a advised to reply XXXX if valid and XXXX if not valid. I replied XXXX and got a responding text to all XXXX and reference a pin number given. I spoke to the rep at BarclayCard and went over several transactions to find that several were done fraudulently starting on XXXX XXXX, 2016 with a charge of {$300.00}. I explained to the rep that I may have lost my card. I checked and found that I did lose the credit card along with data card and insurance card when I emptied my wallet in a stateroom during a cruise I was on. Other transactions the rep mentioned were done at a XXXX at XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, and XXXX XXXX in XXXX, FL - all of which were done on XXXX XXXX, 2016, which at the time I explained that I just left a friend 's XXXX weekend pool event/gathering in XXXX. 

On XXXX XXXX, 2016, I called Barclaycard to get an update since the fraudulent charges were placed back on my account. The representative explain that the fraud claim was denied because the representative that had filed the claim put down that I had my card even that I told him that I did not. I explained this to her and was transferred to the Fraud Investigations Department where the rep a advised that I fax in a police report. 
On XXXX XXXX, 2016, I faxed over a XXXX XXXX Sheriff Office Report to Barclay 's fax number XXXX. After no updates a week later, I again faxed over the Report on XXXX XXXX, 2016 and also called to get an update. Representative advised that a Statement of Fraud was sent to my mailing address. 
On the same day, I checked my mail, filled out the Statement of Fraud, and sent it back. 
Until now, Barclaycard holds me liable for transactions that were done fraudulently. I have yet to hear back on any updates even after faxing and sending the requested police report.

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 2015-09-12
Company: Creditors' Protection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection agency refusal to provide validation of debt as requested. 
provider contracted to accept insurance as full payment. Not willing to wait for payment from state insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On    XXXX   XXXX   XXXX  , I  paid  Wells Fargo Ba nk {$8000.00} to satisfy the full amount owed on my Visa card ending in  XXXX . Immediately after I paid it, the bank added an additional {$140.00}, which the bank says I now owe in addition to the fully satisfied amount I already tendered. This is bogus and banking fraud. How could I owe interest after I 've satisfied every penny owed? I want the charge removed as it is unjustified.

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 2016-03-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond.

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 2016-11-14
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have XXXX loans through Conns. I have fell upon hard times in the last month and have n't missed a payment prior for a year. I am late on a payment less than thirty days and they call me at least 7 times a day. Today it is XXXX and they have called me three times. I have asked them to stop calling me repeatedly daily but they keep calling. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I use a XXXX / Barclay credit card to make a XXXX purchase back on XX/XX/XXXX. One of the benefits of using this credit card to pay for the XXXX is {$100.00} credit. Since last year I have been calling several time to inquiry as of why the credit has not been posted to my account after XX/XX/XXXX. There are constant excuses and the last time I call ( 2 weeks ago ) a representative told me that the request was made manually and it will be on the account not later than XX/XX/XXXX. So far no credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22
Company: Perfection Collection
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I negotiated renewing my contract with Vivint and they told me that this collection would be cleared up. The collection is still on my credit report and I am now stuck with a new contract and being told I owe double.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-02-22
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I asked to have my XXXX account closed back in XXXX. I then paid off the card. An automatic renewal of a Fotor service for XXXX was processed through my XXXX account on XX/XX/XXXX. I called XXXX and they deny the account was ever closed, however even though I allegedly have {$4400.00} credit ... the charge was not made to the XXXX account but to a bank account associated with the XXXX account. Obviously the XXXX account IS CLOSED because the charge went to a bank account instead. This was an unauthorized use my closed XXXX account to satisfy the XXXX charge. When I tried to dispute the charge, I was told ( by an online message ) that the dispute could not be filed and I was locked out of my account. I could not get back into my account nor could I reset my password. I want the XXXX refunded to the bank account ( ending in XXXX ) from which it was removed without permission and proof that this XXXX account IS closed.

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 2016-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.

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 2016-06-06
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card
Issue: Rewards

Complaint:
I have applied and received credit card with Frontier/Barclay Mastercard that advertised reward earnings on expenditures for reward incentives. I have had ( XXXX ) Frontier Accounts for incentives resulting in excessive delay rewards, however the partnership ( web portal with Frontier Airlines does not reflect their 30-60 day post of reward incentives causing the customer delayed incentives for benefits, The Frontier company partner gave the consumer ( XXXX ) accounts resulting misrepresentation and failure to serve the consumer and their partner agreement ( s ). The customer has to comply with current payment agreements, lates fees, interests, according to credit card federal laws, however, the customer has no remedies under the U.S. Constitution-statutory 4th and 14 amendments for theses protections in granting reward incentives.This consumer is asking for equal protection under the laws. Consumer using web portals have delayed benefits and fraudulent verbal agreements to remedy the consumers in application and use of reward benefits promised by both companies and their representatives.or agents resulting in consumer delays and inadequate uses of said rewards.

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 2016-07-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, 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 2016-10-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I decided to accept a " 0 % interest for 18 months '' promotional offer from a retailer for {$2700.00} worth of new carpet for my home. The financing was through a new credit card from Synchrony Bank. When the first bill came, I set up automatic online payments, but miscalculated the monthly payment necessary to pay off the full amount in 18 months ( {$98.00} vs. {$150.00} ). After 19 months I received a call from Synchrony that my payment was late, and that 's when I noticed the error. I paid the remaining principle immediately, but now have to pay {$1200.00} in deferred interest ( 29.99 % APR ). I realize this is my mistake for making monthly payments less than that required to satisfy the promotion terms. I did a little research and found that this happens to about XXXX in XXXX people who sign up for these deals. I feel the whole practice of offering a program designed to slam the 20 % of people that get tripped up is predatory and slimy. I also found out that Synchrony bank ( formerly GE Capital ) is XXXX of the largest banks offering credit on behalf of retailers selling big-ticket items like carpet and appliances. It 's a multi-billion dollar business for them. I called Synchrony and talked to XXXX different customer service agents, offering to pay the 30 % APR for the two months since the promotion period ended, but received no consideration. I was told that since I accepted the initial agreement, I should have known the consequences. I feel like a fool for even falling for such a risky proposition. I just hope others will learn from my mistake and avoid Synchrony bank offers for exorbitant " deferred '' interest rates which are effectively land mines hoping to catch consumers off guard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Late fee

Complaint:
T J Maxx credit card. 
XXXX made a {$70.00} payment to TJ Maxx based on the statement which had the minimum payment of {$35.00} a month ( XXXX and XXXX ). Set up electronic payment to pay {$35.00} a month for XXXX months. According to the credit card company Synchrony the payment for XXXX should have been {$80.00} and they have been charging me late fees off that XXXX dollars since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card with Lowe 's. I received my bill due XX/XX/XXXX that included a regular purchase I made for {$120.00} along with a remaining balance on a promotional amount of {$190.00} ( due in full by XX/XX/2016 ). I made an on time payment of {$150.00} through their automated system. I recently received my statement that is due on XX/XX/XXXX and I notice an interest charge for XXXX. I did n't understand why this had occurred considering the payment I made covered the purchase of {$120.00} and the minimum payment of {$25.00}. I contacted Lowe 's credit card on XX/XX/2016 and the agent told me that the interest was charged to my account because it applied the bulk of my payment to the promotional amount since it was coming up on its maturity. I explained to the agent that it should be applied to the charge that would be assessed the interest first which would have been my regular purchase not my promotional amount. She disagreed and said it was a system decision. Unfortunately, the system is wrong in choosing how I want my payment applied. She informed me that I would have had to call back to tell an agent how I wanted my payment allocated. This is absurd to assume the payment would be applied this way and very sneaky on their part. I also noticed this must have happy at some other point this year and I did n't catch it. They charged me {$1.00} at some point assuming for the same thing. This is criminal. If I do n't pay the promotional amount by the payoff date then I should be charged whatever interest I deserve to be charged. Those are the terms I agreed to. Nothing else. The agent did refund me the {$2.00} interest but I would like the {$1.00} back and for them to change their practices or I will not continue to utilize their card. I have utilized other promotional offers with other companies and nothing like this has happened before.

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 2021-05-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I launched an investgation via the webiste of Equifax to dispute a total of 4 errors that are listed under public record on my credit report. I was given a Dipsute Number of XXXX. 

Under the FCRA Equifax has violated the followingLaws : 15 U.S.C. 1681 ( B ) Equifax failed to provide accurate information as it pertians to me listed under public record on my credit report. Per XXXX XXXX this information could not be verified and therefore should be removed. I have enclosed the letter stating so. 

15 U.S.C. 1681i ( A ) Equifax has failed to notifiy me the consumer within the 30 Day period of my initial request of the investigation of any results. I am unbale to access the dispute number that was giving to me via email through their website. There is no record of my dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
i purchased a snow blower this winter at walmart.com, and was told to pick it up at the walmart at XXXX in XXXX. i went to the walmart to pick it up, with a copy of the reciept but was not allowed to get it. i went to complain to the manager, and i was asked to leave the store. i complained by phone and by email, and asked for my money to be refunded. i was charged interest on the purchace and my credit was damaged, i NEVER got the item, but they are charging me interest on it. i would like to clear this up, but i need the interest to be removed, and all the interest that has accrued durring the time they have refused to straighten this out., my name is XXXX XXXX, i have been hospitalized and sick since XX/XX/XXXX.i am on federal XXXX. i am stayinhg with my parents recvering : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: USA DISCOUNTERS LTD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I financed some items from USA DISCOUNTERS in XX/XX/XXXX while I was stationed at XXXX XXXX in XXXX State. I started soon after getting calls at work asking to speak to my supervisor. A women called my office XXXX times a day telling my supervisor my account was late and how much I owed to them. I returned their call and asked them not to call my job. They continued to call and tell anyone who answered, my detailed info about my account. I talked to someone in the debt section and I was told that my account was n't over due yet but it would be in 30 days. I asked so why all the calls? I was told because my full payment was short by {$45.00} and if not paid I would be over due. I paid the money. Shortly after I was placed on orders to XXXX XXXX and sad to say, I was going through a divorce. I called USA DISCOUNTERS and told them my money will be short because I no longer have XXXX incomes. I fell behind on payments and I received a court sums soon after saying I was being sued in XXXX courts. I never bought any items in the state of XXXX and I was still stationed in XXXX. I sent a letter to the court stating I was in XXXX. I never hear anything back from them. This XX/XX/XXXX, I retired from the XXXX. My account was frozen by USA DISCOUNTERS because of the lawsuit. I can not get any money out of my account which is my retirement. They are trying to garnish my retirement. I was told by my jag office that it could not be garnished but seems like they were wrong. I 'm currently living day to day trying to make it on what little money I have almost just change now. My account is frozen and I have medical issues I have to take care of and bills to pay but I ca n't. Just need help trying to figure out what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-08-29
Company: Commonwealth Financial Systems, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report. 

After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this. 

And this also is not the first time this company has done this. 

XXXX has record of wrong-doing by this company as well. 

What forms will I need to resolve this issue?

Company response to consumer: Closed with explanation