BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I applied and received a carecredit card back in XXXX. My XXXX almost died, unknowingly had XXXX and I used it to pay for vet bills that totated over {$6000.00}. I paid the card down to about {$3500.00} and then the XXXX rate was over and since I could n't pay the card off in 6 months I incurred the interest charges for the previous 6 months, which brought the balance up over XXXX. I continued to pay and then realized that I would never use the card with such a high rate and I called CareCredit to close the entire account. I told them I wanted to close the account and pay it off. At the time it was at about XXXX in XXXX. Fast forward to XXXX. I have paid more than the XXXX a month minimum payment in order to pay this debt off. The interest rate is a whopping 29 %. In XXXX of XXXX my card had a balance of XXXX. This is a card I 've not used since XXXX and have made payments above the minimum for XXXX years. I just checked the balance last week and it is at XXXX???!!!! I lost my mind and called Care Credit. I said how is this happening, it should be going down slowly? Come to find out they did cancel my card but did n't cancel security protection which charges me around XXXX. A profit they receive each month in addition to the 29 % interest they are charging me which is around XXXX. A total of {$170.00} a month plus the incurred interest on the compounded security charge. So I 'm not even hitting the principle. I lost my mind to say the least. When I told them I requested the entire account be closed and not to incur any more charges than my balance and the interest rate. The security charge should have been canceled back in XXXX. They told me it would take several pay cycles to go into affect. This company is criminal and I want my bill to be adjusted to remove the security charges dating back to XXXX, when the account was closed. I 'm floored that this company is allowed to exist. Their behavior is absolutely criminal.

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 2016-04-06
Company: Seattle Service Bureau, Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving calls from a florida number multiple times a week sometimes twice a day. Every time I answered there was never a person on the other end of the line. I would just hear dead air. No message was ever left. Sometimes I would have a voicemail of dead air from these numbers : XXXX, XXXX, XXXX, XXXX. This has gone on for several months. No actual communication was ever made from any of these phone numbers until XXXX/XXXX/16 when there was finally a gentlemen by the name of XXXX XXXX stating he was from national service bureau and asking about my social security number. He told me I had a debt thats been building interest since XXXX. I believe this company is purposefully using these tactics to build up interest and make more money off their debtors. I had no idea and no form of communication to alert me that I had a debt. This is very shady business practices. No joke as I 'm writing this I received a call from XXXX that I answered and shocking dead air nobody on the other line. I ca n't imagine that this is a legal business practice.

Company response to consumer: Closed
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Synchrony Bank opened a credit card on behalf of Walmart without proper identification and authorization.

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 2016-09-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
I applied for credit at Synchrony Financial in 2011 to purchase a SONY camera. My credit is/was about XXXX. Synchrony Financial gave me a credit card with 29.99 % interest.

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 2022-05-31
Company: SinglePoint GI
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection agency, General Revenue, states that I owe them a Balance of {$4100.00}. This reflected on my credit score on XXXX XXXX, 2021. Ive tried to resolve the situation via dispute letters and phone calls with no progress. This has really been a financial burden for me and has prevented me from many opportunities in life already. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: TX
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  XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out Care Credit loan when my daughter needed some dental work we could not afford. I was told it was ZERO percent interest and we arranged for automatic bank payments directly to Care Credit/Synchrony Bank. Recently I called the company to find out my balance since I was nearing the end of my contract and was told it was over {$4000.00}!! That was close to the amount borrowed several years before. I found out on that phone call that the " promotional period '' had ended and all of the extremely inflated back interest had been applied to my almost paid off balance and had no idea this was occuring as all buisness had been via bank withdrawals. I asked the man on the phone what I could do and he essentially said " Sorry, you lose. '' So add my name to the list of unhappy consumers with this company to help anyone else this XXXX happen to and perhaps get some sort of re compensation if a class action lawsuit is brought against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This company will not respond to my concerns/complaints. I have tried to have a manager call me multiple times, but I have not heard back. My first complaint is that there has been no communication throughout the whole process and I feel like we have been left in the dark on our mortgage process. Emails were being returned in an untimely manner, if at all. I have still been waiting for a response about why my closing could n't happen when it was scheduled and that request was sent to a manager. It has been almost a week now. This makes me feel like my loan is not important to them. My second complaint is that the day of closing, no one was there to answer my questions and ultimately the closing had to be cancelled. I communicated with this company that I would be making that month 's payment on my current mortgage, but no one ordered an updated payoff for closing so that is one thing we are waiting on. This lack of initiative prevented our scheduled closing. Finally, I got a call from this company tonight, but was not satisfied with her response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-08
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Lowes Credit Card since XX/XX/XXXX and have never missed a payment until I had a serious car accident XX/XX/XXXX. I was in the hospital for two and one half months, XXXX then I went to XXXX. I am now home. During that time I called Lowes to tell them that I was XXXX from the crash. I told them about the crash and explained that once I was home I would take care of the account. I never dreamed I would be away from home for over three and one half months. My purse was evidentaly left at in my car after the crash. I have not seen it since. I live alone. I was in a hospital that was 2 hours from home and friends. I called Lowes on XXXX to notify them about the crash and they said OK. I called again on XX/XX/XXXX to give them an update and assure them that when I was able to get home I would pay what was owed. They said OK. I called on XX/XX/XXXX and was told that the account was closed. I did not have any warning that this was going to happen. I asked the supervisor why I was not notified and she said I had requested not to be called at home. I checkd that and it was on a form I filled out XX/XX/XXXX when I opened the account. I said why did n't Lowes send me a letter? She said they do not do that as it can be construed as a threat!! I have other credit accounts and each one like XXXX XXXX and XXXX, etc., helped me through this difficult time. Please can you get this account opened again for me so I can have a good credit rating? 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 monetary relief
Consumer complaint received 2017-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I saw the checking account cash offer on the internet and I opened a new checking account with Capital One 360. Then I called in to confirm with the representative to make sure the offer is valid. The service personnel told me the cash offer {$400.00} is valid as long as I have XXXX direct deposits within 60 days. Now I have satisfied the requirements by making XXXX continues direct deposits. Today I talked to the customer service again and they told me that the cash offer is no longer valid. This is really bad customer experiences with Capital One 360 because they told me the previous customer service did not put notes in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted XXXX multiple times concerning this debt. An account was established at an address where I 've never lived. The negative account for {$2700.00} has been on my credit history. I 've contested it on my credit report it remains as an accurate account. XXXX has told me they would escalate the issue and have someone call me. No one ever calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: LEXISNEXIS
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My wife and I have had an auto policy with XXXX XXXX XXXX for over 20 years and have had an excellent record.Last month, as shown in the attached letter, our rates were raised based on a report from Lexis Nexis Consumer Center ( LN ). We disputed the rate increase, and were told that if we got the LN report, the insurance company may be able to make an adjustment. This seemed fair. 

However, we have NOT been able to get anything from LN, except corporate stonewalling and rudeness. The only time LN is even half-way nice is when they want to sell us products that we do n't need as XXXX. Today alone I was on hold for over 20 minutes, and was transferred several times. 

We are paying higher insurance costs as LN has failed to provide requested information. As we ca n't get the bad data that LN has sent in, we ca n't begin the process of correcting LN 's errors. 

LN appears to be breaking several consumer protection laws, such as the Fair Credit Reporting Act, and title 5 of the Fair Trade Commission Act- which are UDAAPs, as LN seems to be engaging in Unfair, Deceptive, and Abusive Acts and Practices. We think that LN is also engaged in wire fraud, as LN is sending inaccurate data to insurance companies using the Internet across state lines. 

We also are concerned that LN is reporting to XXXX, a credit reporting company under a Consent Order by your Agency, data on a judgement from XXXX XXXX XXXX which does not have a Certificate of Authority ( CoA ) in Indiana where we live, and without a CoA this bank had not legal authority to file anything to obtain a judgement. XXXX Consent Order requires that they check for these kinds of errors, by XXXX also uses LN. There are other errors that we know about stemming from LN. 

In summary , LN may well not want to give us the requested data, because in doing so , LN may be exposed to multiple violations of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: ClearOne Advantage, LLC
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There was a payment made in full to XXXX and account is closed. Balance is XXXX. XXXX and XXXX have updated the account status and balance. However TransUnion updated the account and balance then they changed it back to old amount due and status two days later.

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 2015-08-14
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Commonwealth Financial Systems, Inc.
State: TX
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 my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Ray Klein, Inc.
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:
XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation