BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old Wal-mart account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.

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 2015-11-27
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. 

Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. 

Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. 

It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
In 2014 I made a purchase from XXXX and used the Barclaycard deferred interest promotion. Each month I received an email telling me the minimum due on my account. I paid that every month and then received an email stating that my payment was accepted. I never received an email alerting me that my promotion was about to expire. 

On your website it states that Barclaycard has to alert me that my promotional period is up on the cover page of my statement. This alert is on page XXXX. 

I would like to have the {$970.00} rescinded and to pay off my account in full. How can I make this happen?

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 2015-06-27
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is knowingly reporting false information to the credit reporting bureaus. 
XXXX XXXX bought an account from GE Capital ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CCS Financial Services, Inc.
State: MI
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:
Failure to comply on POLP and PHR request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on this account : CREDIT COLL XXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a Wal-mart credit card and reported it as unauthorized use in XX/XX/2106. I asked that card be discontinued immediately. Rep told me to disregard any bill and they would reverse charges. I received new bill with new charges. I called and was told that the " computer did n't close file '' and to disregard and they were sorry. I live in Florida and charges were from XXXX area. Another month and now the bill was {$140.00} for late fees on a XXXX balance. I called again. About a month ago I started receiving calls from Walmart aka Snychrony Bank.Phone XXXX XXXX about 3 to 4 times per day and now up to seven times per day. Calls start about XXXX. I reported to FCC and to my phone company who tried to block the number. Sometimes this woks and sometimes the phone rings before blocking. I am in very poor health and the XXXX of early morning and all day long calls is horrible. I do n't want to spend money on hiring a lawyer. What can I do to stop Walmart and the bank?

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 2015-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
After submitting a complaint ( Case Number XXXX ) I received a call from Synchrony Bank where they argued with me about my complaint. Eventually they agreed to remove the late fee. However, even though I paid the balance in full as soon as Synchrony gave me access to the transferred account, today I see that they charged me {$32.00} in interest. They are clearly doing that to penalize me for complaining to CFPB, as the account is closed, has been paid in full, and late fee removed. I would happily have paid Synchrony in full earlier, by their due date, if they had given me access to do so. But because I followed their instructions, paying quickly when they finally got the account transferred, they first hit me with a late fee, and then -- because I complained to CFPB -- now have charged me interest. I demand that Synchrony XXXX out the balance, remove any charges ( late fees, interest, penalties, whatever ), and send me a statement showing a XXXX balance closed account with no impact on my credit report. Do n't let Synchrony punish consumers who seek help from CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX continues to verify a Synchroncy bank/gap debt to XXXX, during the dispute process, that has been reported as fraud. XXXX have received XXXX police reports from XX/XX/XXXX & XX/XX/XXXX from XXXX & XXXX, and have removed their reporting to those credit agencies. The report from XX/XX/XXXX was from XXXX XXXX Police, & XX/XX/XXXX was from XXXX XXXX Police Department. There was fraud on my account with gap from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Privacy

Complaint:
I applied for a credit card with XXXX XXXX XXXX store and the application is through Synchrony Financial. Upon reading the items that I am agreeing to on the application, the first one reads : " I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ). I also provide my consent for SNYCB to provide information about me ( even if my application is declined ) to dealers/merchants/retailers that accept the Card and program sponsors ( and their respective affiliates ) so that they can create and update their records, and provide me with service and special offers. '' There is no way to opt out of this and basically, a condition of the credit application forces me to allow them to market my personal information to outside companies. I do not want to allow them to do this, but then I would not be signing the agreement and unable to obtain credit. I do not believe it is fair for this company to require me to allow them to market out my personal information as a condition of applying for credit. I would like this matter investigated. A copy of the application is 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 2016-05-13
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I believe that my mortgage company committed fraud to get my loan approved by forging my signature to XXXX documents stating that I did not have a car loan when I do. They are now trying to bully me. I have obtained an attorney but wanted to do my due diligence and report their actions to the property authorities. I have attached documentation to prove my case. You can clearly see that there are XXXX different signatures.

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 2016-05-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
This complaint is to serve, dispute and document the bad business practices by XXXX XXXX and as well Synchrony Bank who handles the collection efforts of XXXX XXXX. Under the Federal Trade Commission and as well in the State of California they are to properly notify me of any changes to the account which the failed to do. We had bought a mattress on a three year loan in which according to them after that would incur three years of interest if it was not paid within that three years. 

Due to financial troubles we had fallen behind on payments and had notified them as such and nothing was done. XXXX years had gone by and the next phone call was that we owed triple the amount. We had sent four letters of request to pay original amount and there was no response. We had spoken on numerous occasions to managers notifying them and as well their mangers acknowledging that we should have been notified but yet no arrangement was made. So even after acknowledging fault by XXXX XXXX managers, four letters, numerous calls they failed to provide us with a solution other than a penalty. 

I wish for this account to be cleared off my account and as well the company notified of their wrong doings.

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 2016-03-05
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Basic background on my credit history, I recently got married and had some medical issues that moved me into some trouble with credit card debt. After 2 months or trying to re-establish and gain control of my credit score, I get a notice from Synchrony Bank that they lowered my oldest credit card limit to make it equal to the current balance. Basically a drop of about {$1800.00}. So, while personally monitoring my score, I watched my score rise from a XXXX to XXXX after resolving a bank error delinquency and paying off about XXXX of my current cards ; about {$7500.00} paid out to cards. After this, my score drastically dropped back down to under XXXX because my Utilization WENT UP from a limit decrease. This decrease also showed that I was utilizing more than 95 % of the card from Synchrony Bank. I then contacted Synchrony immediately to find out why they lowered the limit and it was due to the delinquency ( which had been resolved ). So, in my opinion, it does n't make sense that since my score was low, to make it better by raising my utilization. It just seems like a flawed system. Synchrony wanted to offer to run my full credit report again to try and increase the limit back, but I declined that due to the fact that it would impact my score again. The card was originally with XXXX, and ever since it moved to Synchrony, I have been upset with their bank. The worst part is that this is my oldest account, so closing it would drop my score again. It just does n't seem fair, especially for someone who is doing everything they can personally to recover their score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: AMERICAN EQUITY MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The loan company is XXXX and the loan officer is XXXX. 
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of 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 2015-07-16
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
DITECH Financial, LLC states have an open mortgage account with them and I am delinquent $ XXXX+. I do n't have a mortgage account with them at all. I did and was never delinquent when my house was sold XX/XX/2014. I have not been able to even purchase a home and do not own any property now. As a result it has adversely affected my credit and kept me from obtaining future credit despite the information being incorrect. I am trying to dispute this as I was just made aware of it when I tried to obtain credit, to no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.

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