BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc. 

A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password. 

I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's. 

Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ). 

Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year. 

These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card
Issue: Billing disputes

Complaint:
Opened my account in XX/XX/2016 to make a purchase that i was told was under the special promo where i do n't have to pay interest for 6 months. Before the purchase I spoke to walmart employee and then XXXX different customer support agents on the phone and was told that everything should be fine. My XX/XX/XXXX statement included an interest charge. I called customer service back and was told i was not a part of the promo because i did not qualify but would not give me a reason why. They gave me no solution and basically said i would have to pay interest going forward. I then paid off my entire account and cancelled my card because i was so upset.

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 2015-05-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was charged a delay fee. The delay was the fault of Cardinal Financial. But they charged me a late fee. 
First, I sent numerous emails and faxes with my information. I was told that they did n't receive it despite fax confirmations. 
Second, I was told my Cardinal that everyone was on vacation and they could n't work on my mortgage approval. 
Third, I was told on the day that my mortgage was supposed to close and I did n't have a choice I was backed into a corner. Their practices are criminal. 
My other issue is that it took XXXX months for them to give me back the funds that they were supposed to use for my property. They did n't pay it on time. So, I had to pay it. I called and wrote numerous times to get the money back. It took hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14
Company: Main Street Personal Finance
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a high interest title loan with Approved Cash, XXXX XXXX XXXX XXXX, XXXX, OK ( XXXX ) XXXX. I was 1 month and 1 day late on my payment, but intended to get caught up on payday XXXX/XXXX/2015. On XXXX/XXXX/2015 in the middle of the night they repossessed my car without my knowledge. They want the full balance, and will not accept payments to get caught up. I have possessions in the car, including the tag, that they will not let me retrieve them without paying a fee. They also will not let me know where the car is located so that I can inspect it before the sale next week. 

I asked them what the procedure was for claiming any funds left over from the sale after the balance is paid, and they said that they are not allowed to sale the car for more than what is owed on the note. The car has a blue book value XXXX to XXXX times the amount owed. I have never heard of an auction that has a set top dollar price.

Company response to consumer: Closed
Consumer complaint received 2016-02-17
Company: CMRE Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BARCLAYS BANK DELAWARE
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card with Barclays XXXX, sometime last year they cancelled my card with no reason. At this point the payments had all been made. Since I chose " paperless billing '' I stopped receiving a bill in the mail. Shortly after my card was cancelled I called Barclays to let them know I needed a paper statement. They did not send me the statement. I contacted them again and just made the payment over the phone. Barclays took more money out of my account than I authorized. When I called them back to question this I was directed to a person I could not understand because they spoke broken XXXX. Since this time I have requested a paper bill so I could make my payment online and everytime I call they say they will send one but never do. At this point my payment is about 3 months late and I am trying to pay it but I can not trust them to take a payment over the phone and they will not send me a bill. I feel like they keep restricting my online access so I can not make the payment and this will happen. Also, last time I spoke with an account representative they insisted on asking my whole social security number, which I feel is suspicious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. 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 2016-08-08
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: POLARIS HOME FUNDING CORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I worked with a loan officer name XXXX @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer XXXX and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was XX/XX/XXXX. I asked XXXX, XXXX and XXXX why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting cold feet. They never mentioned the fact that I had those 3 days to resend with no penalties. XXXX and XXXX also told me a different amount that I would be paying for my mortgage before closing and at closing it was a higher amount. During this process I was rushed to sign paper work which I did read but did n't understand it and when I ask XXXX to explain to me he became very rude and told me that he was n't in the business to educate which left me to looking my questions up on the internet. XXXX bother XXXX was also my real estate agent who failed to explain anything to me as well and went alone with XXXX and suggested that I rush all signatures. I also had questions for XXXX about the home I was purchasing and he as well ignored my questions and stated he would get back with me but never did ... During the closing I was n't represented by anyone from Polaris and when I was signing the contract the information was different and when I called XXXX on speaker phone he again became very rude and stated that he changed the numbers to benefit me but failed to disclose any of that to me. XXXX then stated that I can just not close that day and threaten me and stated that I will have to pay more at the next closing if I did n't sign the contract. At that time the title representative advised me of my rights and the listing agent XXXX advised me that my real estate agent has n't been in contact with her about any of the questions that I needed answered. With that being said I signed the contract even though I was extremely upset because this was the worst experience I 've ever had and this happens to be my first home purchase. XXXX was withholding information to benefit him and his brother who happened to be my real estate agent. Polaris Home Funding group has agents that have unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. 

But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. 
Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. 
The real culprit however appears to be a line item detailed as " CSO fee ''. 

Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. 

While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. 

I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. 

I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. 

I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I posted a car for sell on XXXX in XXXX. I was contacted by someone who claimed to be interested in buying my vehicle. They convinced me to give them my routing and account number so that they could make a deposit into my account. That person then deposited {$5000.00} into my account, then within one day withdraw {$5100.00}. I was banking with USAA, the bank did not place a hold on the check which is a common practice. USAA contacted me and notified me that they were conducting an investigation on my account and that they believe that I was being scammed. A few days later, I was contacted again by USAA and informed that my account had been suspended and that they found me responsible for the negative balance. I was a advised by consumer affairs to file a police report about the money that was stolen from my account. I filed the report and provided it to USAA. I was told by USAA fraud department that they would continue the investigation into my account and since XXXX I have not received any updates regarding the status of my account. When I contact them they refuse to provided me with any information. USAA now refuses to do any business with me and they have reported me as having a negative banking history with other banks as well. I do not feel that USAA conducted a proper fraud investigation into my account. I would like for them to have provided me with much more communication regarding me account. USAA was my primary banking institution and this incident has caused and continues to cause me financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! XXXX!!!! Just because I wanted to dispute items? What does XXXX have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016 Bluebird By American Express locked my DEBIT card out due to a credit added to my account, they said that was against their policy which I figured was not due to you can transfer money from XXXX account to another you can have direct deposit from an employer. I am a XXXX and I had a client which I replaced a part on his truck he bought the part cash and he gave me the old part to turn in for a credit which was how he paid me for the labor, I went to the vendor that he bought it from and they issued me a credit seems I did not have an account with them they needed to put it on a bank card or credit card, at the time the only card I had was my BLUEBIRD by American Express card which I felt was ok to do. Now Bluebird has been saying this is under review for the past month the last time I talked to them was XXXX XXXX 2016 they stated they reviewed it and they would be sending the funds back to the merchant, I called the merchant to tell them to be on the lookout for the funds to be returned and they have seen nothing, now the BLUEBIRD people stated give them 5-7 business days. So as I am writing this this have me on hold been15 minutes. But the transaction was done on XXXX XXXX 2016 and they locked my card out on the XXXX of XXXX, I have called them at least 15 times, they wanted a letter sent to some address in Utah which I paid {$18.00} to get XXXX here next day, there was a receipt from vendor so I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NM
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation