BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclay Card Servicing is the worse card servicer. I had to file a dispute XXXX for unauthorized fraud transactions. The first time it was n't inputted in the system correctly according to the representative, the second time it was acknowledged and I received a dispute number. However, no provisional credit was given and the account was marked past due because nothing happened for a month. I called today XXXX and inquired again and it was stated by the rep. that he will put in the provisional credit today. That 's a month since my dispute was accepted so it appears they do n't care about timing and really addressing customer issues and concerns. They want to hurry up and get you off the phone right away without listening to what exactly you need. Please look into Barclay Cards as they are definitely the worse when it comes to handling fraud transactions or looking into unauthorized transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
When I opened the checking account with TCF I also opened a savings. I agreed to have {$25.00} automatically transfered from checking to savings every month as a condition to ensure no monthly maintenance fees. I was told to have 15 transactions per month, which I did have every month. Still, my checking was charged {$9.00} a month for at least 17 straight months.

I did not know of these charges because I never saw them online, they didn't show up there. I became aware after TCF merged with Huntington and these charges became available to see online. I was dismayed, and asked Huntington to refund the fees. I was informed that the charges came from TCF, not them, but TCF no longer exists.

My intention was to comply with the rules and there should have never been any monthly fees. I would like all fees taken refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-21
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Today I went through an automated system for my care credit account to see if I qualified for a credit line increase. In the past a hard pull credit check has not been required. When I went through the automated system it never stated or asked for my permission to request a credit check. Shortly after going through the automated system I got an alert from XXXX stating that Synchrony Bank had performed an inquiry on my credit report. I called them right away and told them that I did not authorize the inquiry and I wanted it removed. They indicated to me that they did not need my permission to pull a copy of my credit report. According to the Fair Credit Reporting Act they must notify me that a credit report will be pulled in conjunction with requests for credit. I let them know and they said that it was not true. I asked them to remove the inquiry as I would have never requested a limit increase if I would have known it would have been a hard pull. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SINCE XXXX WE HAD A GREAT RECORD OF MORTGAGE PAYMENTS!!!! 
UNTILL XXXX WHEN WE GOT SCREWED BY THE BIG BANKS!!!! 
THEY RUBBED US FROM THE ENTIRE EQUITY IN OUR PROPRTY.!!! 
THEY STOLE OUR RETIREMENT MONEY!!! 
TODAY THE JUSTICE DEPARTMENT IS SUPPORTING THEM!!!!

WHERE DID JUSTICE GO??????? 
YOU TELL ME!!!!!!!!!

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 2020-03-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank : Chase Product : XXXX payment. 
Problem : I received a payment of {$500.00} on XX/XX/XXXX from XXXX XXXX XXXX. 
Yesterday : XX/XX/XXXX money is gone from my bank account and its frozen. 

I didn't reach to Chase because everyone online wrote Chase will say : " talk to XXXX '', then Chase will close your account. 

Everyone wrote complaint with CFPB first and both sides will work it ... Thanks in advance. 

If anyone can dispute XXXX then why they promote it as it is strong as cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Someone hacked my boss email address and ask me to go XXXX  and and buy gift cards on XX/XX/2021. I bought the gift cards and emailed to him. 

The Company have don't any wok yet and the bank is looking into it. But I'm afraid that this person is still scamming people.

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 2020-12-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citibank NA denied my application for an XXXX XXXX XXXX account, citing the reason : " The credit privileges on your existing accounts are currently restricted '' They had closed my other accounts that they serviced and their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. Citibank decision was therefore unfair and discriminatory.

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 2022-03-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2022-03-15
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was closed by the credit card XXXX in 2020. They said they were no longer carrying this credit card. They were closing the whole branch for the XXXX XXXX credit card. I made a settlement with them. They agreed to remove off of my credit. I keep disputing it and it keeps coming up on my credit report incorrect information. It is supposed to be totally XXXX was not originally through XXXX. I guess when they closed everybodys account they sold all the accounts to XXXX. Please help. I have be trying to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BARCLAYS BANK DELAWARE
State: SD
Product: Credit card
Issue: Balance transfer

Complaint:
Barclays bank took {$9700.00} from me and instead of paying off my Barclays account off, they sent the money to XXXX XXXX XXXX and paid that amount on the card I had there. I contacted them several times and told them what had happened. They investigated and sent me a refund check in the amount of {$9700.00}. After several weeks and additional conversations with them, I cashed the check and sent them a payment of {$9400.00} to pay off my account. After a few days, Barclays stopped payment on the refund check. This caused my checking account to be overdrawn by several thousand dollars. I contacted them to ask them what was going they said we stopped payment on it because that would put them in the hole because XXXX XXXX XXXX has the original money. They never contacted me to tell me that not the cash the check. I held it for almost a month. I asked them why they sent the refund check in the first place, I never asked for one. They had no answer for that. I talked to a Supervisor ( XXXX ) and he said that they really messed up. Also, he said the only way I would get the money back was to get XXXX XXXX XXXX to refund me the money. I told him why would have to do that. It was n't my mistake. Barclays should be asking for that money back. They have done nothing in the last two days. I 'm now short {$9700.00} dollars.

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 2016-04-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I opened a Credit Card with XXXX XXXX which was issued through Synchrony Bank. The whole time I was having a hard time with my mail and would receive and pay my bill late. I had no problem paying the late fees but at some point I was fed up and decided to go to XXXX XXXX 's in person to pay my entire bill. I asked the represents everything to please advise me of what my bill was and he informed me that it was {$470.00}. I went ahead and paid the entire bill with cash ( I have my receipt ). Several months later I received a bill of {$110.00}. When I called to inquire about the bill, I was informed that when I paid my bill there were other pending fees that I did n't take care of and those pending fees caused additional late fees and that 's why the amount is what it is. The representative was only willing to refund {$37.00}. This is extortion and I feel taken advantage 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 2020-03-05
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover card took money from me and is holding my money unlawfully. I have a secured credit card with them with a credit line of {$400.00}. On XX/XX/XXXX, I called and requested a credit limit increase to {$1000.00}. The person on the line let me know I needed to put up the additional {$600.00} since it is secured. On XX/XX/XXXX, the {$600.00} was taken from my bank account. On XX/XX/XXXX, I received an email from Discover saying they had increased my credit limit to {$600.00}. I immediately called and explained I requested the credit limit to be {$1000.00}, not {$600.00} and explained the additional {$600.00} has cleared my bank account. They tell me they only see a request for a {$200.00} increase. I let them know this needs to be fixed or refund me the {$400.00}. I spent over an hour on the phone. I spoke with one Tier 1 agent and 3 supervisors. The 1st supervisor called the bank on the line with me and the bank told them the {$600.00} had cleared. This supervisor tells me since a different department handles the credit limit increases then she has to forward my issue to them to research and that can take 48 hrs. I asked her what is there to research when we just called the bank and verified {$600.00} was indeed taken and not {$200.00}. She said that's the way that department handles it. They have to do their own verification. I asked to speak with that supervisor. So I was connected to supervisor # 2. She tells me there is nothing they can do except call me back in 48 hrs. I told her this is unacceptable since the 1st supervisor already verified with the bank. I also let them know there should be a recorded call from XX/XX/26 because the girl on that day read a script and asked did I agree to the {$600.00}. She was inflexible and kept repeating that she can do nothing further as she has to research it. I asked for a supervisor above her. She connected me to supervisor # 3 who said he is the highest in the executive office. I let him know my attorney will be contacting them. He said the issue still needs to be researched. I asked him to explain what they are researching. He said they need to know what happened and why it happened. I let him know " what happened and why '' is irrelevant to me. Discover already has my {$600.00} and is refusing to increase my limit. He provided me an email address to send written authorization to speak with my attorney about my account. This issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
SYNCB/GAP ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/GAP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/GAP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

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 2022-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information reporting on my credit profile that i am not aware of, and it's report without my authorization which is a violation of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
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 according to fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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

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 2016-05-18
Company: SYNCHRONY FINANCIAL
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 was paid

Complaint:
XXXX XXXX has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm XXXX now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. XXXX has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact XXXX. I have been pushed around between XXXX and the law firm that represents XXXX. I am unable to obtain credit due to this breakdown in XXXX 's system.

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from Capital One dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BARCLAYS BANK DELAWARE
State: WV
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a XXXX Credit Card issued by Barclays Bank for years. I travel frequently as my work requires. I get paid at the completion of a project which can be many months so my credit utilization goes up and down. I have never missed a payment. Barclays recently reduced my credit line by {$4100.00} without any notice what so ever citing my credit utilization as the reason. This left me with about {$200.00} in credit available and a disastrously tumbling credit score due to now even higher credit utilization. I see from other consumer complaints that this is not an unusual practice for Barclays. Due to the impact on consumers credit scores this practice of bait and switch ( here 's a great credit limit for you but we will take it away if you actually use it ) should be somehow regulated.

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 2016-04-04
Company: SYNCHRONY FINANCIAL
State: VI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was sent to a collection agency, which I paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.

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