BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.

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 2016-03-16
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from BSI Financial stating they were setting up an escrow account because they made a payment to the county tax office in error. I checked the county tax office and they do not show receipt of this payment. BSI states that I have a negative balance of XXXX in an escrow account. I pay my taxes directly, which is the way the mortgage was originally set up. BSI bought the mortgage from XXXX. My tax bill was paid on XXXX XXXX, 2015, by me, way before the due date. 
I have tried to contact BSI financial at XXXX, which is the number shown on the letter received. I called during the business hours listed on the letter. I can not reach a live person. 
I believe that BSI is fraudulently setting up an escrow account for money that is not owed to them by me. 
Since I can not resolve this by contacting them, I have decided to try this avenue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: SYNCHRONY FINANCIAL
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I purchased through Care Credit a prepaid service for XXXX. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the XXXX procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged to my card in the amount of {$2000.00}. The office is run by a XXXX who then will offer to include XXXX evaluations to help with the XXXX. What I was sold were liquids that were run through a magic light and brought to " life. '' The real secret is n't given until you pay the {$2000.00} and then you are told to be on a strict XXXX calorie diet. At this point, I had already spent {$100.00} non-refundable for my initial exam and the {$2000.00} for my Care Credit Card. I believe this is a scam and fraudulent and Care Credit should be partially responsible along with the XXXX XXXX office in XXXX, FL.

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 2016-06-17
Company: SYNCHRONY FINANCIAL
State: VA
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:
We have XXXX accounts with synchrony bank. XXXX for XXXX bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from XXXX last month, and even before I received the first bill, I received XXXX phone calls from synchrony in one day. The first call was at XXXX XXXX and the last was at XXXX XXXX. After the first call I asked them to stop calling my house, Yet I received four more calls after the request was made. I am a XXXX Veteran who is home bound and I get physically ill when I receive phone calls such as those from synchrony bank. ( tel # XXXX XXXX ) was the number that I was called from. Please help me stop the harassment by this company. The debt collectors are harassing me with no cause. Thank you in advance for your assistance.

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 2016-11-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX my JcPenny/Synchrony credit card had fraudulent charges on my card. I notified JcPenny when I received my statement in the mail. JcPenny closed the card and open a new card. JcPenny said they sent me a new card which I did not receive. I received a letter stating they found the charges to be fraudulent and removed them from my account. I contacted JcPenny to let them know I never received my new card in the mail they sent me and I could not log on to my account to view my account. JcPenny said I owe a balance on the account and I told I did not owe anything on my account. I was not receiving statements and I was not allow to access my account since I did not have my new card. My old log in would not work. I requested my statements from JcPenny which I was sent in the mail. I was reviewing the statement on my old card JcPenny removed the fraudulent charges from the account but then but the charges on the new account. I called XXXX XXXX, 2016 to resolve the problem. I was transfer to XXXX representatives including the Fraud Department. I requested another fraud research and nothing has happen since my request. JcPenny keeps reporting I am 30 days past due on my card which I am not. I do n't owe anything on my credit card. I called and spoke to another Representative in XXXX to follow up regarding my fraud inquiry and the Representative said could not help me because she could only view 3 months of my account and could not go back to XXXX to view the account history.

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 2016-03-22
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A mailer was relieved stating that XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX has a Sport Credit Card account number ending XXXX. XXXX has no such card. The mailer originated from Synchrony Bank, XXXX FL. The bank was contacted to investigate this unknown acct. We were transfered to XXXX different dept which insisted that we provide the Social Security # in order to help us. As we did not want to give out private information we were hung up on without any kind of resolution. As far as we know, they have an open a count in XXXX ' name that they will not assist us in the investigation of a fraudulently opened account

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 2015-04-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I had opened an account with CareCredit to pay for a dental procedure. I was told that I would have no interest if it was paid in the XXXX XXXX months. At the conclusion of that time period I was charged accrued interest and my balance skyrocketed above what it originally was. I never received any notification when I signed up for a CareCredit account of the accrued interest or any notification by phone, email or regular mail that this would happen nor did I receive any notifications when the date was upcoming. This company has been sued and were mandated to issue refunds to over a XXXX consumers, I became a customer prior to this suit and have been a victim of the same deceptive practices. I have requested a refund or at least a reduction in my interest rate and have been denied XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I fixed the Situation with CHIME XXXX it was a 3rd party vendor and they still went behind my back and closed my card WITHOUT MY PERMISSION! 

EXAMPLE SIMILAR TO XXXX VS CHIME XXXX XXXX!! 

Start a suit in XXXX on my behalf!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: SYNCHRONY FINANCIAL
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I spoke with XXXX people at XXXX XXXX. The XXXX was a man who was very threatening and said my husband would go to jail, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I thought I previously turned on autopay to be effective for my XX/XX/2017 payment of {$84.00}, but I did n't notice I either did n't do it correctly or confirm the change so when my due date came up, my payment was not sent. I realized it when I did not see it as a pending transaction after the fact. Since then I successfully turned on the autopay, but now I have a late fee of {$37.00} for that late payment. I called customer service today XX/XX/2017 and asked for a waiver of that fee. I was told its not possible. I previously had an issue that XXXX took responsibility for and waived the fees, but I feel like that was a separate issue a long time ago that has been resolved and should not be held against me. I have made all my payments on time since that issue was resolved and only ran into a problem when trying to setup autopay. I 'm asking for this late fee to be waived please. 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 2016-07-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I had setup an Amazon Store Card ( Synchrony Bank ) and I believed my cycle date was on the XXXX of the month. I have been paying {$100.00} ( way over the minimum ) on the XXXX and did not receive any notification that I did not pay on time because my actual cycle date was the XXXX of the month. Did not know that I was being charged every month for {$35.00} late payment fee. I contacted them Customer Service XXXX and explained this situation. I was only receiving a email monthly with a link to my account but I could not remember by credentials to access the account. They agreed to only credit XXXX late payment fees and refused to credit the XXXX remaining. That is {$100.00} charges for a customer that uses their services and pays consistently, but because of a mistake regarding bill cycle date. Why did they not send a notification that I was charged a late payment fee to my email or call me so that they could make sure that there was not this situation?

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 2017-03-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter in the mail from synchrony bank stating my Credit Card accounts were being placed on hold pending further investigation as they were disputing who I am. The credit cards affected were my Citgo, BP, Amazon, Walmart and paypal. I have had 2 of the Accounts for more than a year and have never missed a payment, been over the lmit or anything. I was locked out from accessing the accounts on line as they claimed this this might be identity theft. I filled out the form they submitted to me signed it and sent it back, to my surprise about 4 weeks later I was able to access my accounts on line but they all said I have no available credit. I immediately contacted synchrony bank and was told told because they could not validate who I am they closed my accounts. Now I have other loans, credit cards, bank loans, etc from other financial institutions I have a valid D.L AND social security number. I am very upset, as by closing my credit card accounts it will it will significantly decrease my credit sore and adversely affect me and my credit.. I am seeking an explanation and for my accounts to be reinstated with full rights as I have not violated any policy or procedure of synchrony 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 explanation
Consumer complaint received 2017-03-23
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: M.A.R.S., Inc.
State: NY
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:
In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of.

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 2021-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
Experian Please remove closed accounts from my credit report and unauthorized, unapproved and excessive inquiries ran on my credit. These are negatively impacting my 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 explanation
Consumer complaint received 2021-03-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting that I have a XXXX $ debt for 8 years on my credit report. I have told them thus is not my debt. They have no concern for laws or rules. They keep adding to this debt that is not mine and more importantly they keep reporting this debt to the 3 major credit reporting agencies.

Company response to consumer: Closed with explanation