BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a customer of Rushcard for several years. About 2 weeks ago they had a system change which rendered my card useless. Since then my balance is missing XXXX I tried contacting member services for days. The phone would hang up after XXXX rings. I sent emails and XXXX messages that were unanswered. After finally holding for XXXX hours I get a rep that says he sees the discrepancy and will send it to the risk team and I will get a call back. I have not received a call. As of today the systems are down again. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Rewards

Complaint:
I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.

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 2016-09-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I had an account with Synchrony Care Credit. I was unable to pay for some time. I have been calling the Synchrony customer service in an attempt to resume payments or pay off the debt. Synchrony is refusing to allow me to do so because they are saying that the account is pending to be sold or assigned. This is holding me up from qualifying for a VA loan.

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 2015-07-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.

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 2016-09-26
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/XXXX I had a Sam 's credit card that I have never been late on since XX/XX/XXXX. I make very big payments on my card. In XX/XX/XXXX I logged into my account and it said to call in. I could not access the account. I was told that my account along with XXXX other accounts I have with Synchony have been suspended until I get a letter in the mail explaining why and to call in when I get the letter. I never got the letter and also could not make payments and was told the only way I could make a payment was to cancel the card. I tried to redeem my {$210.00} worth of rewards but they only mail a check every XX/XX/XXXX. This is the craziest thing I ever heard. I did google and they have been doing this to XXXX people. Was never told why account were suspended. I cancelled the card in order to make my payment because I do not make later payments. I want my {$210.00} I am owed.

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 2016-08-21
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline again.

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 2015-04-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other

Complaint:
I have an account through synchrony bank. I 've faithfully made all payments. I sent in a post dated check dated over XXXX weeks in advance. They deposited it early resulting in the overdraft of my bank account adding fees. When I called the correct the problem they told me they had the right to cash post dated check and we were out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AK
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2016 I did a Money Gram transfer through Walmart on XXXX in the amount of {$550.00} with a service fee of {$11.00} for the purchase of a XXXX puppy from XXXX online and XXXX. Their contact Phone : XXXX XXXX XXXX XXXX and email address : XXXXXXXXXXXX. The money gram was sent out at XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX He picked up the money gram the same day at XXXX. He said he was getting ready to ship the puppy but requested a fee to rent a kennel in the amount of {$700.00} in which we were told it was refundable once he receives the kennel back. Another money gram was sent on XXXX XXXX, 2016 at XXXX through Walmart XXXX XXXX XXXX the amount of {$690.00} with a service fee of {$11.00}. This money gram was sent to XXXX XXXX XXXX in XXXX XXXX and received the same day at XXXX. We were told they were shipping the puppy and it should be arriving today. They called back to ask if we looked at the email and that they needed another {$1300.00} for life insurance on the puppy. At this point we know it 's a scam and we have n't received the dog as of yet. No information on air carrier, or flight information that the puppy is being shipped on. I have contacted the company and left an email and phone message and still have not received a call back. I also contacted Money Gram in which it makes me wonder if they are a part of this scam as I talk to them they end up hanging up the phone on me. The numbers that we contacted were XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All these numbers when you contact them have a foreign person speaking and will hang up on you once you get into asking questions. I ca n't believe people can sleep at night doing stuff like this but I will not let this happen to someone else. I can be reached by cell at XXXX XXXX XXXX XXXX for any questions or concerns. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Receivables Management Partners, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-09-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased a home in XXXX 2012 with an FHA loan through PennyMac. We have been paying PMI as required, but recently requested termination of the PMI due to significant increases in property value. The first request was denied about 8 months ago and we recently submitted a second request. I believe our loan docs state that PMI is to be carried for at least 5 years, however, everything I have seen shows if the home value does not exceed 78 % of initial loan amount then PMI is not required. I have also read that upon request of termination of PMI PennyMac could request an appraisal on our property. We would be happy to pay for an appraisal and feel our property far exceeds the loan to value ratio. Our loan amount was for {$160000.00} and similar homes in our neighborhood are selling for well over $ XXXX. Any information or effort you can make in resolving this matter would be greatly appreciated! We look forward to hearing from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed.

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: M&T BANK CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''

Company response to consumer: Closed with explanation