BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Sale of account

Complaint:
XXXX XXXX, XXXX Synchrony Bank Payment Research Department I had a XXXX XXXX Credit Card through your bank. The card was transferred to XXXX XX/XX/XXXX. I got a new card but I did not change the Account Number on my online banking. As a result I sent two payments to Synchrony Bank. These payments should have gone to my new XXXX XXXX XXXX account. 
I have had a great deal of trouble communicating with Synchrony Bank and would really appreciate some help with this issue. 
I made two electronic payments. 
{$140.00} on XXXX XXXX, XXXX {$81.00} on XXXX XXXX, XXXX I used my XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX The payments did not bounce back to my account or get transferred. 
My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like those payments transferred to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX I am including my Banks Proof of Payment

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 2016-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I got incorrect information dorm the bank and the creditor ask to send a letter form the bank explaining for the account to be reopened and they lied.

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 2016-04-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income?

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 2017-02-28
Company: SYNCHRONY FINANCIAL
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name. 
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service. 
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent. 

I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant. 
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored. 
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them. 

Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.

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 2021-03-12
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Thursday morning on XX/XX/XXXX I go to access my account. It has all my funds on it roughly over, XXXX dollars on it. All of sudden i go to the atm and it says unable to use card at this time. This EPPICard company has placed me on hold for 5 hours and no one has picked up the phone. Im on a trip and Im basically stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a mattress and decided to utilize the for 0 % financing option offered through XXXX XXXX XXXX and managed by Synchrony Bank. 

The payments commenced in XXXX XXXX. I opted thier mail option ; to pay by check and mail it in. ( I use the mail-in option for all of my monthly bills with other companies ). 

In XXXX XXXX, I had mailed my check on XXXX/XXXX/XXXX ( payments are due on the XXXX of each month ). The following month, the XXXX XXXX statement, I noticed a late fee. The payment I had sent on-time was posted on XXXX/XXXX/XXXX. 

I followed their dispute resolution process and sent a letter to them in XXXX. I never received a response. 

I sent a second letter in XXXX XXXX and again never received a response. 

I sent a XXXX letter in XXXX. I never received a response. 

I then finally received a response letter stating that they did not know why the check was posted late and would refund all the late fees and interest on my account. They did in fact correct the balance on my account. 

Now in XXXX of XXXX, I sent my payment as usual, however a week later, the XXXX XXXX returned my envelope to me. It was post-marked XXXX XXXX, XXXX, and the post office tag cited it as " XXXX/XXXX/XXXX return to sender : no such number : unable to forward ''. 

I double-checked the address on my statement as well as called the company, and I was told the address was correct. I explained that the envelope was returned to me, the representative stated they did not have an answer why, that it must have been a post office error. 

I decided to re-send the same unopened/sealed envelope, as is, on XXXX XXXX, XXXX. 

I also sent letter to their dispute department with a photocopy of the envelope clearly identifying the postmarks. 

My payment cleared my bank account on XXXX XXXX, so clearly they received the envelope, however, again it was posted late to my account. 

My XXXX statement arrive on XXXX XXXX with again, another late fee processed. 

I have sent the XXXX dispute letter for this charge and again included a photocopy of the envelope. I noted the post-marks, which clearly supports my suspicion that they are intentionally delaying payment processing. 

This is the second time in less than a year that Synchrony Bank has delayed processing my on-time payments. They still offer mail-in payments, yet they delay processing these payments and charge late fees. I believe they are purposefully doing this, whether to force a late fee charge, or through pure negligence and incompetence. Whatever the reason, they offer mail-in payments and thus should be able to process those payments appropriately and to industry standards. 

I have never had any problems with any other company processing my payments. On most occasions, my checks are clearing within XXXX5 days after I put them in the mail.

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 2016-09-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.

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 2016-08-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX reversed a ligitimate payment on my Barclays credit card on XXXX/XXXX/XXXX totaling {$2100.00}. This payment was authorized by my husband XXXX XXXX on XXXX/XXXX/XXXX after receiving an insurance settlement. We were married and living in the same household on XXXX. XXXX committed adultry and abandoned me financially and i filed for legal separation on XXXX/XXXX/XXXX. My atty. advised me to change my locks, garage doors and security system codes due to I owned the home. I have contacted Barclays on three occassions- customer service, fraud department and customer relations and nothing has been done to help me in this situation. 

I am wanting Barclays to take this reversal off my account and absorbed by their bad debt reserve or take action against XXXX and bring my balance back under my credit limit. I can not afford to pay this or affect my credit score negatively. I have a text message from XXXX XXXX stating that he was well aware of the payment made to this card.

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 2015-08-05
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a debt validation to Capital One on XX/XX/2021 which they received on XX/XX/2021 at XXXX. Pursuant to 15 USC 1692g they failed to provide me the five things that constitute validating a debt. 

Additionally, I sent Capital One an Affidavit of Truth along with exhibits and a Cease and Desist Letter on on XX/XX/2021, which they received on XX/XX/2021 at XXXX XXXX  and they continue to harass me via email telling me that I owe this alleged debt which is a violation of 15 USC 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Conn's, 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 resulted from identity theft

Complaint:
I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. 

Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. 


Thank you for being a voice of the consumer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Other

Complaint:
I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.

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 2016-08-17
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Rewards

Complaint:
On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.

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 2015-04-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At XXXX XXXX on XX/XX/2021 American Express called my work phone number and my cell phone number at the same time. These are harrassing phone calls and I have asked them to stop calling me repeatedly. Calling me at work puts me at significant risk and will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Balance transfer fee

Complaint:
BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.

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 2015-08-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.

Company response to consumer: Closed with non-monetary relief