BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I opened an account with Synchrony Bank with a " promotional offering '' of No Interest if Paid in Full within promotional period which ends XXXX 2016. This credit card was opened to purchase art work through XXXX XXXX XXXX XXXX. XXXX 2016 billing charged {$470.00} interest on what appears to be a portion of {$1100.00} of the amount owned. An amount that is over 43 % interest. The amount due on account, to be paid in full without interest by XXXX 2016 is {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a bill from a collection agency in the mail on XX/XX/23. Called on the phone and was told I owed {$190.00} to XXXX XXXX in XXXX Texas. Ive never been to Texas and have had no utilities there! My DOB was used and I was told it was a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've repeatedly tried to file a fraud complaint with my Banana Republic XXXX XXXX serviced by Synchrony Bank. The fraudulent charges were made on XXXX XXXX, 2015. When I first tried to file my fraud complaint, I was told that I had successfully passed along all information and that an investigation would be completed. I repeatedly called asking for an update and was told that they could not provide an update and that I would receive correspondence regarding the investigation. Four months have passed, and I have now spent more than an hour on the phone only to be told that the fraud department never received the complaint, and that the fraud department ca n't file my complaint without the statements from that month, to which they do n't have access. I no longer have access to those accounts online, because the bank closed the account as soon as I reported the fraud and issued a new card. For reasons passing understanding, the bank 's customer service department has access to the statements necessary to file the complaint, but can not file the complaint for me, according to. And although the fraud department is the only department that can file the complaint, according to the fraud department, they do n't have access to the statements. And, when I called the customer service department to get the necessary information, I was told that they could file a fraud complaint, although I previously relied on this information when I filed my initial complaint, and was later told that this was inaccurate. 

In essence, it seems that Synchrony Bank is taking every step necessary to obfuscate and block their customers ' attempts to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Application processing delay

Complaint:
Application Number : XXXX Hello, I was hoping you would be able to reconsider my application and see if i can get approved for anything. I do n't care on the credit limit, i just need the help to be able to re establish my credit. I would greatly appreciate any help on this matter.

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 2016-02-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Sams Club Credit Card account which had become past due because of unemployment and illness. I made financial arrangements paying the monthly amount required since XX/XX/XXXX through XX/XX/XXXX. I paid the minimum amount due to bring the account current XX/XX/XXXX on the Sams Club Credit Website which indicated the account was open and upon payment the account would be in good standing. As per the representative I spoke with, upon paying that amount the account would be considered in good standing and available to use for purchases. When checking that the payment was posted on XX/XX/XXXX, the account now says it is closed due to serious delinquency. Had I known that this would take place, I would have made arrangements for recurring monthly payments instead of this lump sum which I could have used to begin bringing other accounts current. I have sent an message on the account website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My wife and I submitted a claim about our billing statement with Synchrony Bank ( formerly known as XXXX ). XXXX She was awarded a " No Interest '' promotion until balance is paid in full. Can you please tell me if my account will be awarded it as well. My account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on 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 2016-01-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
hello i applied for XXXX card with this bank and there rep told me about all the other cards they have and said that if i apply to them within 30 days they will use my report on file well i did but now i have XXXX inquiry on my report the last XXXX of my ss are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
Obtained Credit Card from Lowes to purchase Washer & Dryer. Credit Card turned out being a Synchrony Bank Card. Original Balance at time of purchase was {$1500.00}. Since XXXX 2014 I 've paid {$1100.00}. Synchrony Bank is still showing a balance of {$1400.00}. I have paid more than the minimum payment each month. They count payments as late even though I have paid ahead each month and have paid more than the minumum, and hit me with an additional late fee each month. In adddition they have reported my account as late to the credit bureaus. I 'm sure that I 'm not the only XXXX they are doing this to and a cnother class action law suit needs to be filed, but I 'm not sure how to do this or find out if there is XXXX I can join. I have tried calling Synchrony but they just continue to hang up on me and insist tat they can do what ever their policy says they can do apparently regardless of whether or not it is legal, ethical, or immoral.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Convergent Resources, Inc.
State: PA
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:
Convergent Outsourcing erroneously put a debt on my credit report that had been settled two years earlier with another company. 

I have no business with Convergent. How can a company simply put something on a credit report that is not accurate?

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-12-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
Sent XXXX bank drafts to Synchrony Bank for payoff of XXXX separate accounts. Each check clearly indicated the last XXXX digits of the account they were to payoff. XXXX checks were properly credited, the third was not. Have made numerous phone calls and faxed copies of the cancelled check to the bank. The cancelled check clearly indicates the check was received and cashed on XX/XX/2016, well within the payment due date of XX/XX/2016. However, it was not credited to my account. In fact, they have added interest and late fees to the account and refuse, despite receiving proof that they cashed the check, to credit my account. Any help you could provide would be appreciated.

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 2016-04-22
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Amazon syncphony bank credit cards company have raised the interest on my credit twice without notice this change was added to my bill. I am filing this compliant because I am an old customer so if any changes had to take place it should be with new customer. Credit card company states over the telephone to file an compliant because Ftc raised the interest. Also, I did not receive a bill at all in 2015 and my bill was only on time which is due every XXXX day of the month. The bank reimbursed XXXX late charges in XXXX/XXXX/2015 in the amount of {$55.00}. I made numerous compliant to resolve this situation so I am contacting you because the are several more reimbursement which they fail to reimburse so I need your help as well. On XXXX XXXX, 2015 {$25.00}, XXXX XXXX, 2015 {$25.00} also overlimit fee {$35.00}, XXXX 2015 {$35.00} in total in fees {$120.00} needs to deducted from my credit cards late fee. In XXXX 2015 on my bill there is a {$45.00} which I did not order In my daughter and I was in XXXX XXXX from XXXX XXXX, 2015 until XXXX XXXX, 2015 due to water damage at my house. My temporary address XXXX XXXX, XXXX, SC XXXX why would I purchase anything online. In XXXX XXXX, 2015 I purchase XXXX XXXX dinnerware for XXXX the shipped arrived the entire purchase was destroy in tiny pieces so I could not send them back and I made amazon aware of situation and no refund was given in the amount of {$39.00} XXXX. 

My credit card bill should refunded in the amount {$200.00} plus interest. The old interest was 25.99 % and now it is 26.24 %. I am glad I closed my account and I will rid this card shortly. 
My bill was always paid in a timely manner, no late or over the limit fees.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to Experians website to receive my free credit score from them. After inputing all the necessary information I was directed to a screen that required me to pay to get the information. {$1.00} per day and the {$21.00} per month. Ive asked them to clarify their offer but have not received a response.

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 2016-02-26
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citibank Mortgage Services used a wrong address to order a credit report for my pre-approval application and sent the loan-related documents to the wrong address. I myself of course did not get the package. There is a high chance that the package is now in the hand of a bar/restaurant because I was asked to provide " a signed and dated letter of explanation indicating why your current address would be indicated as a Bar/Restaurant/Nightclub on your credit report. " I later confirmed that it was the mortgage agent who made a typo on the system. Now all my important personal data, including my social security no., is at risk of being misused. I reported the incident to the department and I am waiting to see what step they will take. It is so unacceptable that they made a mistake like that. Now only was my loan application gets a little bit delay, I will also have to find time to do the remedy and prevent any damage to my future credit score. I do n't see any reason why they have to list the whole ss # in the document. I do n't see why they have to do it by mailing. I do n't see why THEY DIDN '' T CONFIRM MY ADDRESS.

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 2015-07-09
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
THIS COLLECTION WAS REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) XXXX XXXX XXXX {$8800.00}

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 2022-10-01
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.

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 2016-12-24
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
received XXXX bills in 2013, XXXX for {$70.00} and XXXX for {$44.00} I paid both and have XXXX check duplicates and statements to confirm, however according to the billing rep at XXXX clinic, the check amounts were applied to another bill that I never received and the XXXX bills that I had paid specifically were turned over to collection and that i had a credit due me. Now the billing agent says she will forward the balance due me to H & R collections which will leave me a balance of {$64.00}, I do not see how money paid on specific bills can just be used to pay an unbilled debt and the debts I specifically paid turned over to collection agency. who has been reporting them since XXXX of 2013. The continued re- reporting has affected my credit score negatively. Apparently it is the billing departments practice to apply monies where ever they choose to direct them. I directed her to have the collection agency call me directly to get the matter removed from my report, but am sure they will require me to pay the full amounts to resolve the them, I will re submit complaint if this the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: First Advantage LNS Inc.
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:
Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Live Well Financial, Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a reverse mortgage from XXXX XXXX in XXXX XXXX. 
The mortgage was assigned to Livewell Financial ( 'Livewell ' ). In XX/XX/XXXX, I entered into an agreement with the City of XXXX, PA to pay my real estate taxes in equal monthly payments in accordance with the City 's real estate installment payment plan available to senior citizens. After I had paid over {$1000.00} in real estate taxes in accordance with my agreement with the City, Livewell refused to recognize the validity of my agreement with the City of XXXX, paid the balance owed, and demanded that I reimburse Livewell or be declared in default. I reimbursed Livewell for the taxes for XX/XX/XXXX, but Livewell rejected my payment, and declared that I was in default of the terms of the mortgage agreement. In XXXX, real estate taxes are not due until XXXX XXXX of the year taxes are due. 
If taxes are paid early, taxpayers receive a discount on the total due. 
After rejecting my reimbursement of the taxes paid for XX/XX/XXXX, In XXXX XXXX, Livewell paid my real estate taxes, one month before the taxes were due, in order to take advantage of the discount offered by the City, then in XXXX XXXX Livewell filed a mortgage foreclosure action against me, claiming that Ihad defaulted under the terms of the mortgage. 
Livewell repeated the same practice in XXXX - Livewell again paid the taxes one month in advance of the due date and again declared that I was in default under the terms of the mortgage. In an effort to avoid foreclosure, I obtained legal counsel and we have been attempting to work out a repayment plan with Livewell. To date, Livewell has refused to negotiate in good faith to settle this lawsuit. Livewell has rejected no less than XXXX repayment plans I have submitted over the past year, without making a reasonable repayment plan according to my income. I am a XXXX receiving social security and income from a part time job of approximately XXXX per month. 
My sister, XXXX, who is XXXX years old, lives with me, contributes to the household expenses and maintenance. She has an equitable interest in our home, she is my next of kin and under Pennsylvania law, my only heir. Livewell 's unethical, predatory practices have not only placed me in jeopardy of losing my home, it has jeopardized my sister 's right to inherit the property if I were to predecease her. I am requesting that the CFPB intervene to protect seniors such as myself and my sister from the predatory practices of Livewell Financial and other mortgage lenders and servicers like Livewell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation