BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I received a Synchrony Bank Credit Card in XXXX, and signed up to pay online from my checking account at another bank. I do this with all of my credit cards, and have been doing it for at least five years -- without any problem. 
I thought I made an online payment on XXXX XXXX ( due date was XXXX XXXX ), and received an acknowledgement email, which I did n't look at too closely. When I got an email today that said I had not paid yet, I looked at the acknowledgement email, and saw that it had *scheduled my payment for the due date. * I would never do this purposely, and when I went online to see the scheduled transaction, I saw that it defaults automatically to the due date, not the date posted ( or the next day ). To make sure that this was not something I had done, I cancelled the payment and then clicked the " Make a Payment '' again. The page I am attaching is a picture of the Payment Page on the webpage that shows the default payment date ( the due date ) and the note the bank includes about what happens when payments are made on the due date. 
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or about XXXX 2016, I began receiving collection calls and letters regarding credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuers to close the accounts or remove the charges. At the time I believed contacting them and telling them about the identity theft would end the collection attempts and that my credit report would be amended to reflect this occurrence. Synchrony Bank has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Synchrony Bank will be pursued if all negative information is not removed from my credit report.

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 2015-08-15
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.

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 2017-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
my name is XXXX XXXX and i received a notice from XXXX XXXX SERVICES XXXX DEPARTMENT INDICATING THAT I OWE XXXX TO HOUSE HOLD FINANCE. I HAD SETTLED MY ACCOUNT WITH HOUSEHOLD FINANCE XXXX YEARS A GO. THEY FILED A LAWSUIT AGAINST ME AND THROUGH AN ATTORNEY SETTLED THE MATTER AND THROUGH MY XXXX XXXX XXXX ACCOUNT AT THE TIME I PAID IN FULL THE SETTLEMENT AMOUNT THAT WAS AGREED UPON. NOW AFTER XXXX YEARS PLUS THEY HAVE DECIDED TO REFILE AND BREACH WHAT WAS AGREED UPON AT THE TIME AND SWINDLE MORE MONEY WHEN THE SETTLED AMOUNT WAS PAID IN FULL AND THE MATTER WAS CLOSED. PLS HELP ME WITH CLEARING THIS MATTER OFF MY NAME. I HAVE PAID THEM IN FULL AND THIS MATTER WAS SETTLED OVER XXXX YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have an existing credit account with Guitar Center, which was originally serviced by XXXX XXXX. On XXXX, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of XXXX, XXXX and XXXX, I received no statements from XXXX XXXX. On XXXX XXXX, 2015 I received a statement from the new provider Synchrony Financial which had XXXX late charges assessed. When I called Synchrony they did offer to remove XXXX late charge, but resisted removing the other stating that fee was not assessed by them but XXXX XXXX. I 'm filing this compliant against both companies to resolve the issue and to remove any blemishes on my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like this.

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 2015-09-28
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX/XXXX/15 I tried to activate my new Capital One credit card online and the website said I had to call, when I called I got transferred to the fraud department, where an XXXX lady put me on hold for a long time. Without my knowledge she called my husband ( whom I am currently separated from ), she asked for me and he told her she had the wrong #. My husband later told me this and was very upset because she also asked for a XXXX XXXX as well and stated that it was Capital One calling about my account with a XXXX XXXX ( not clearly saying the name ). He was unaware of me even getting this credit card and I would have preferred to keep it that way. After, a very stressful day of dealing with this, I called the representative in the US and she explained no one called my husband. He texted me a screen shot of this number ( XXXX ) XXXX, that he was called from XXXX! I have never had such a complicated time activating a card! Also, I am extremely upset that my husband was called and concerned about where Capital One even got his phone number from!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have returned items purchased on OldNavy.COM and paid for with the OldNavy Credit Card back in XXXX XXXX. It is now XXXX of XXXX and I am still being charged for the items purchased and returned and authorized to return by their company. I have contacted OldNavy multiple times to no avail and bad customer service, to escalating this to opening a dispute with the OldNavy Credit Card, to no avail. I am still being charged interest, late fees ( now ), and the balance for items return of about {$120.00} more than 6 months ago. They are stealing from me and going to damage my perfect credit if they do not fix this once and for all. I have called both the company and credit card issuer multiple times, and sent in documentation MULTIPLE TIMES to recieve notices in the mail that they closed the dispute or made a mistake and reopened the dispute. Then the website warehouse claims to not have received my return, but then they said they returned my return to me after authorizing it an acceptable return, and I have no package and no items and I 'm still paying for this horrendous experience. Please get my money refunded and place this company on a watch list. This is over SIX MONTHS and 22 phone calls and being treated like GARBAGE by their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in dispute.

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 2015-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. 
Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Byrider Franchising, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: FACTUAL DATA CORP.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I sold and item on eBay a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy eBay to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with eBay trying to resolve this and explaining my side and had proof. Then they passed the situation on to Paypal, now Paypal is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and eBay would n't stand by me. They told me it was the cost of doing business. Now Paypal is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or Paypal bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on eBay was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the eBay score I had and never had issues like this and they still did n't give me the benefit of the doubt.

Company response to consumer: Closed with non-monetary relief