BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Balance transfer

Complaint:
I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
They are unwilling to assist in a dispute on my Care Credit credit card. The dental provider overcharged me, synchrony said they researched it and are siding with the provider. When i asked why it 's because they have to take into consideration the provider 's claim. But not mine? just because they 're a business? this does not mean they are incapable of scams, which I explained to synchrony. I also, several times, explained that my insurance paid they 're part after i paid what was an estimation during my initial consultation. The estimation turned out to be inflated, and was actually more than my contracted rate so i am due a refund. Synchrony told m several times to either take this up with my insurance or small claims. Why is my insurance going to pay me the difference? the credit card needs to take this off of my account and deduct it from payments to the provider! I also pointed out that the written statement from the provider actually proves my point that I am owed a refund, as it says the amount due by me is less then what I was charged. My billing ledger from the provider was doctored to show a zero balance by contradicting what they said in their statement to synchrony. When i ask about this i am told they go based on the ledger not the statement. So the fact that it does n't add up did n't raise red flags to at the very least keep the investigation going until it can be clarified? Nope they just find it easier to make me feel like I 'm the scammer. No help, no empathy, no apologies, just constant interruptions and frustrated responses were all I got from Synchrony. They also say I signed a contract, which it was not..its a treatment plan ( estimate ) that clearly says the charges may change due to unforeseen circumstances and this is the charge AS OF NOW! Come to find out, many other consumers have dealt with similar and many other various issues from Synchrony and Care 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 monetary relief
Consumer complaint received 2015-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally had a loan with XXXX in 2004. It was taken over by XXXX XXXX XXXX and the terms were changed without my awareness. They changed the interest rate somehow, not sure what happened, but the payments went up so high I could n't afford it, so I applied for a modification. I was told the only way XXXX XXXX XXXX would not talk to me until I stopped making payments. So I stopped. After two years SPS tried to foreclose and put liens against my business. I started making payments again and was advised to file bankruptcy for the house only to stop the liens. I had to sign the modification papers before I saw the terms. This was done by Select Portfolio Servicing ( SPS ). I have n't missed a payment since. They said they had nothing to do with XXXX and XXXX said they do n't have my loan anymore. About 90 days after I signed, they sent me the terms. I had already started making payments on a slightly lower amount that I thought was fixed. I later realized that it was an adjustable that would continue to go up and they did not lower the principal at all. It was added as a balloon of $ XXXX at the end of the loan period. 

I have tried several times with attorneys to reduce the principal as they had promised with XXXX or XXXX. Neither company will help or take any responsibility. In fact they charge me {$5.00} to make payments every month. And, the payment amount keeps going up where I can not afford to make payments much longer. And, they are threatening foreclosure ever time I try to talk to them to correct the terms. An investigation was conducted by XXXX XXXX XXXX, Certified Securitization Analysis. See attached. We paid {$2500.00}. Your agency was copied. 
So now, I have a growing mortgage payment, and a balloon payment, and no relief in sight. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX XXXX Credit card from US Bank. I paid my annual fees ( {$75.00} ) for this card in XXXX 2015. This card offered bonus award night for hotel booking with XXXX XXXX hotel chain. However, US bank is going to abruptly end this benefit in the middle of year ( XXXX 2015 ). As a consumer I feel like I paid an annual for some benefit that I wo n't be able to use. I think US bank should refund my annual fees along with compensation for breaking their agreement in the middle of year. 

Following are lines from their agreement : '' BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made? 
'

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 2015-08-14
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX, I had a XXXX XXXX Credit card. This card was used fraudulently and a large amount was on the card. I reported this to XXXX XXXX and they denied the fraud report and proceeded to debt collection. The debt was then turned over to Frederick J. Hanna & Associates located in XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I then started to receive phone calls that were very disrespectful and threatening. They would not stop harassing me. In XXXX I was apparently sued by Frederick J. Hanna & Associates. I was never notified about the suit that eventually went to default judgement against me. After the default judgement a lien was placed on my home that I was never aware of. I am now trying to refinance my home with a VA to VA loan and can not do this due to this lien. I am a XXXX XXXX Veteran on Social Security and have been taken advantage of by this law firm. I know they have violated The Consumer Credit Protection Act with the way they were doing business with my account. As I said before I was unaware of this judgement and lien until last week XXXX/XXXX/XXXX when I tried to refinance my home. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The  XXXX  credit companies that are  XXXX , Equifax and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. states i have the right to privacy. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: Collection Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Privacy

Complaint:
Discover is causing me to request a code via email or text EVERY TIME I want to log into my account. I believe it is because they want to make it harder for me to log into my account and pay my balance so they can gain more fees and charges off from me. I have asked for an update on any fix to this and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$8.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX since XX/XX/XXXX and crypto currency trading since XX/XX/XXXX. 
My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX. 
For Identity verification, I attached my Valid ID. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Mercedes Benz Financial Services
State: DE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In 2012 by using the online service Swap-A-Lease and the approval of Mercedes Benz Financial Services ( MBFS ) we were able to swap a vehicle with XXXX XXXX. We asked MBFS if they had done business in the past with XXXX and their response was yes, which gave us peace of mind. Our vehicle was in outstanding conditions, we attached the XXXX Report with the swap information. On XXXX/XXXX/12 we successfully handed the vehicle over to a lady representative of XXXX and immediately mailed the payoff check to MBFS, who also sent us the Lease End Statement. Two months later MBFS sent us a letter saying the check had no funds and the car had been repossessed on XXXX/XXXX/12. 
The original payoff letter/quote was valid until XXXX/XXXX/12, but MBFS repossessed the car a full day before the end of this committment. MBFS never informed us of the insufficient funds check until XXXX. In the time MBFS kept this information from us we had already committed to a new smaller vehicle, a XXXX XXXX. We called XXXX XXXX to ask what had happened, they said they had asked for 3 more days to cover the check but since it had been taken from them, they now had no reason to cover that check. While the car was away somewhere it apparently had some hail damages which got fixed, again without our knowledge. So the balance on the account is XXXX + XXXX for repairs that we were never made aware of, we just simply have to pay. When a car is taken in for service even a {$15.00} part is first consulted with the owner, but in this case nothing has been consulted with us, we feel this is Consumer Deception. 
If MBFS really felt that we were still responsible of this car, why did they not get in touch with us as soon as they realized the check had no funds? We would 've reached out to XXXX and maybe offered to pay one more month in order to give them the opportunity to gather the funds for the check. Why did n't MBFS reach out to us showing us the hail damages before proceeding with repairs? Until today we have not seen a single picture of the damages, it 's just been their word. 
When a house is sold and the new owners default on their payments, the bank does not go back to the previous owners, they collect on the new owners. Why is MBFS collecting on a debt that we released with their approval and on which MBFS sent us a Lease End Statement? We feel that it was MBFS who broke the Agreement, they did not comply with the provided Payoff Date, they repossessed the car without our consent and they made repairs also without our consent. We believe MBFS did this knowing that the vehicle was no longer our responsiblity, that 's why they made these decisions on their own. We have been called through several collection agencies and threatened with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple phone calls a day from Synchrony bank. They are using a couple of different phone numbers : XXXX, XXXX, XXXX, XXXX, and XXXX. Some of these calls are coming only minutes apart, others are coming almost every hour. Here are a few examples. On XXXX/XXXX/16 I received calls at : XXXX. On XXXX I received calls at : XXXX. This morning I received two calls almost back to back at XXXX. and XXXX I have spoken to them regarding the debt and trying to work out an arrangement, but they are not very willing to work with me and my situation at the moment. I have asked them to stop the repeated calls and the calls keep coming.

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 2016-06-16
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a private student loan serviced by Discover, which is now paid off. Based on my understanding of the XXXX XXXX consent order between the CFPB and Discover Student Loans, I am a " Tax Information Consumer. '' I did not participate in any of Discover 's tax preparation programs. Accordingly, I believe I am entitled to a payment of {$150.00} ( {$75.00} for tax years XX/XX/XXXX and XX/XX/XXXX ) under the terms of the consent order. I contacted Discover Student Loans to see if there were any procedures needed to claim this amount, or if it would be sent to me. Their representative stated that I would have needed to apply for this payment by XXXX XXXX, XXXX. I am not sure if this is Discover 's actual position, or if the representative was just confused : to my understanding XXXX XXXX, XXXX was the deadline to request tax preparation assistance, not to request a payment in lieu of tax prep assistance.

Company response to consumer: Closed with explanation