BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Synchrony Bank sent me a Visa credit card, saying that I have been " upgraded to a new level of gas savings '' for my Chevron gasoline card. I did not request the Visa card and my Chevron card had not expired. When I called them yesterday to ensure it had not been activated and to say that I did not want new credit I was told by both the Representative and his supervisor that, Yes, an account had already been opened in my name. This is not a case of fraud or ID theft. This is Synchrony Bank trying to push credit on me, likely for the purpose of inflating their bottom line. Synchrony Bank has a practice of doing this as it also occurred last year with my XXXX XXXX account, for which Synchrony manages the credit. This is very similar to the XXXX XXXX situation and I am wondering what regulatory entity covers such cases of opening accounts without the permission of the consumer? I would like to file a formal complaint. This is well beyond prescreening and preapproval as they actually sent me XXXX cards and assigned account numbers. They were only willing to " cancel '' the account if I gave them identifying information about myself, specifically my social security number and address, which I was unwilling to do, so they hung up on me. Please let me know how I can file a formal complaint about this predatory practice.

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 2016-05-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!

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 2016-09-27
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Other fee

Complaint:
XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.

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 2017-01-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank essentially stole {$510.00} from my account. My debit card had always been linked to my checking account. When my card was reissued, Regions incorrectly linked it to my money market account. Due to their error, I was charged a fee of {$240.00} in XXXX XXXX and {$270.00} in XXXX XXXX for " excess activity ''. In addition to being wrong, these fees are obviously outrageously high. I have written XXXX letters to Regions corporate headquarters regarding this issue, the second sent certified mail. They have not responded in any fashion.

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 2016-09-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :

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 2016-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear SPS, Please respond to actual question regarding regarding payments NOT applied to account. 
Confirm Debt is due by who is investor, and provide original creditor documents. 
Provide evidence payments were applied in XX/XX/XXXX to account - payments XXXX Select Portfolio Servicing received account XX/XX/XXXX. I am disputing the debt. 



KEEP FOCUS ON DEBT OWED ETC. NO OTHER MATTER AS THE REQUEST IS NOT RELATED TO KYHC AT THIS TIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying for a number of years to geat a problem solved with Synchrony Bank formally GE Money Bank. In XX/XX/XXXX I purchased a XXXX which was financed by GE Money Bank. Due to circumstances beyond my control in XX/XX/XXXX I filed for XXXX bankruptcy and this account was part of that bankruptcy. I have been trying thru phone calls and writing the company to get them to pick up their property ( XXXX and trailer ). I sent a certified letter to the company at PXXXX GA XXXX on the XX/XX/XXXX which was signed for on the XX/XX/XXXX. The letter asked for the bank to either pick up their property or release the lien so it can be disposed of. As of this date I have received no response. Any help would be greatly appreciated since this has gone on for 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX transferred me to his manager pertaining to my account with XXXX XXXX XXXX. I received several phone calls from GE Money bank in XX/XX/XXXX requesting payment on the account. Per the XXXX he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that XXXX XXXX failed to notify GE Money Bank that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Chime Financial Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized transfer of funds from my account to another persons. It was the very last of my money and chime refuses to escalate my case and investigate, even though the account was hacked because of THEM, not me. I never leave my phone sitting out anywhere or my debit card so there is no possible way this was my fault the money was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for an FHA loan with XXXX XXXX. That certain bank does not do FHA loans in-house so they had to use quicken loans to process the loan. The bank also told us they do not order an appraiser unless we are approved for the loan because they will charge us and do n't want us to pay if we did n't get approved. Well an appraisal was ordered and the guy came out a week later. Come to find out we did n't get approved for the loan and they did n't charge us for the appraisal but we still should have the right to a copy of it. I hope you can help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: National Credit Systems,Inc.
State: TX
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:
I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: TN
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:
I filed a dispute with XXXX in XXXX XXXX XXXX on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with XXXX the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX  working my way up to a over XXXX score and all of a sudden my score has dropped XXXX points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties

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 2015-06-29
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, XXXX XXXX continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with XXXX, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XX/XX/2015. On XX/XX/2015, They called me XXXX. At approximately noon on the XX/XX/2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. XXXX XXXX has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has approved us for a HAMP trial payment plan. After speaking with my relationship manager, I had some concerns regarding the documents I received. 
1 ). Will the holder of the note still be the securitized trust, Option One Mortgage Loan Trust 2006XXXX with the loan modification? 
2 ). If OOMLT 2006XXXX is the current note holder, why is the new unpaid principal balance with the loan modification higher than the balance in the trust? Unpaid principal balance in the trust is {$520000.00}, but the new unpaid principal balance in the loan modification is {$580000.00}. 
3 ). According to the HAMP website, we could earn up to {$10000.00} in principal reduction for making our mortgage payments in full and on time. But the incentive information provided by Ocwen states we can earn {$5000.00} in principal reductions for making our mortgage payments in full and on time. Why are we not eligible to receive the full {$10000.00} in principal reduction for making our mortgage payments in full and on time? 
4 ). Would like to understand why there was not a principal forbearance? 
5 ). Would like to understand why ca n't our loan terms be extended?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AmeriCash Holding LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have fallen behind in my payments to Americash loans due to pay shortages. I have faithfully made payments until recently when the ultra high payments have been too much to handle ( approx. {$380.00} every 2 weeks total of $ XXXX monthly ). 

They have been calling my workplace from XXXX and demanding call backs. I will attach photos of my phone for your viewing. This has caused me much embarrassment with my staff, and has disclosed the fact that I am behind on my payments and being collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I ask you to remove the part ( you must be part of them ) case XXXX, that was not right and i need your help so i appolgise, so if you can remove it that would be great.

Company response to consumer: Closed with explanation