WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Synchrony Bank ( JC Penney account ). 
I never chose to do business with Sychrony Bank ( formerly called GE Credit ) but they handle JCP credit card accounts as well as credit cards for Lowe 's, Walmart and several other retailers. This complaint involves XXXX furniture purchases at the JCP store in XXXX, ID on XXXX/XXXX/15 and XXXX/XXXX/15. I first purchased a sofa and chair at JCP on XXXX/XXXX/15 which totaled {$1300.00} and canceled the order on XXXX/XXXX/15 for the same sofa and chair in a different fabric and color for a total price of {$1300.00}. I was offered " Special Financing '' on a 36-mo Interest-Free Plan w/a down pymt charged to my regular JCP account. The down pymt on XXXX was {$270.00} which has never been refunded to me after this order was canceled on XXXX and has remained on my acct balance for 4 mos@26.99 % interest. The XXXX purchase on XXXX was for {$1300.00} w/a down pymt of {$190.00} also applied to a regular JCP account. Both the purchase price on XXXX in the amt of {$1300.00} and the down pymt of {$190.00} were lumped into my regular JCP account rather than the Interest Free Special Financing over 36 mos so I 've had to pay 26.99 % for 4 mos now. No one at the JCP store in XXXX understands the stmts issued to JCP customers by Synchrony so they are no help. The monthly stmts are full of careless/sloppy mistakes so it appears whomever prepares these stmts uses XXXX only as a XXXX language and has no experience or understanding of billing for retail stores -- or else everyone at Synchrony is as corrupt as the institution of Synchrony Bk. The Home Store Supr at JCP in XXXX tried to intervene and told me who to call at Synchrony ( a Supr ) who would not take my call and has not returned my call. I have written to the JCP store in XXXX and to Cust Svc at XXXX to no avail. I feel like XXXX and would appreciate someone at CFPB intervening on my behalf. I 'm XXXX yrs old, a retired XXXX XXXX so I understand finance very well so I 'm outraged about what 's happened here and do not understand why no one at JCP seems to care how customers are being cheated at Synchrony. I have sent copies of my letters to the CEO at JCP. Synchrony Bank is a corrupt institution and does not regard JCP or other retailers ' customers as " customers ''. To them we 're just debtors and they treat us like deadbeats which I am not. The fact that Synchrony gets away with their corrupt practices is a result of deregulation of the financial services industries per " The Financial Services Modernization Act ''. I am asking for a refund of {$270.00} for the down pymt of purchase on XXXX that was canceled on XXXX and a refund of interest charged on that down pymt + the interest I 've been charged since XXXX on the " interest free '' 36-mo pymt plan and that stmts be corrected to reflect the interest free pymt of $ XXXX/mo for the XXXX purchase. As it stands now mo stmts do not reflect this pymt or the balance on the interest free plan -- both are simply lumped into the regular acct@26.99 % interest. Synchrony Bank should be in your data bank as you have received other complaints from this company which are filed online on XXXX.
We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.
Last year as the result of the XXXX hacking, someone tried to get a credit card through XXXX and Chase, I received a letter denying the cc which I am glad it happened since I have bad credit and I filed a complain through this agency ( see your files ). I got a response from Chase Bank informing me the problem had been addressed and it would not happen again. Guess what it is the same time this year and I got exactly the same letter denying the cc and the three common denominators are XXXX, Chase Bank and XXXX  ( same as last year ). 

I WANT THIS AGENCY NOT ONLY TO RELAY THIS COMPLAIN BUT TO GET INVOLVED AS WELL TO MAKE SURE THAT ME AND THOUSAND OTHERS DON'T HAVE TO GO THROUGH THIS IN THE FUTURE. 

THE GOVERNMENT ( YOUR AGENCY CHARTER ) IS TO PROTECT THE PUBLIC OF SITUATIONS SUCH AS THIS AND NOT TO TAKE THE FINANCIAL INSTITUTIONS ' WORD. 

I HOPE THIS TIME AROUND I GET MORE THAN JUST A COMPUTER PRINTED PROFORMA LETTER.
I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said
We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.
Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.
Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.
A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. ''
I notified the debt collector and let them know that I paid my bill and that I also paid on one bill. The representative said they didn't see any information in the system at all. I sent them a copy of the receipt around XX/XX/2018. No one has responded. When I called back and asked did they record my call with the representative they said they record some calls but, mines wasn't recorded. I still have those bills on my account. 
The next claim is with an insurance agency. I called to let them know I could no longer afford the insurance and to cancel it. She said when we first started talking that the call was being recorded. I said ok. Now they are trying to charge me for not paying for 3 months. So, asked will you please pull up the call in which I was informed that was being recorded they couldn't find the call. I cancelled my insurance 3 months before and now they are trying to charge me. I also, made a Co-payment to the hospital in the emergency room. But, they said I owe a full payment which is unfair. I paid my co-pay but, they didn't deduct it from the bill. I don't owe these debts.
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. XXXX   then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both XXXX and Equifax did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on Equifax as FP and through XXXX on XXXX  with a remaining negative status on XXXX. This again impacts my ability to purchase a new home, apply for business credit, etc.
The information reported by XXXX XXXX is FALSE. XXXX XXXX  was contacted several times to request a payment arrangement on the account due to loss of employment. Please note that as requested, XXXX XXXX was also provided with proof of unemployment. After waiting to hear back from XXXX XXXX ( because there was no response to the letter or the fax that was sent to them ), I then called again and was told that I was eligible for a special benefit program that covered events such as loss of employment but in order to qualify the account would have to be closed. It was my understanding that due to the " qualifying event '' the account was being closed without any further obligation by the consumer. However, the attached letter from XXXX XXXX stated that they EMAILED me a payment plan offer that I did not respond to which again is false. I am requesting to have XXXX XXXX   provide proof of the allege emailed that was sent so that I can have it investigated by XXXX/XXXX. Additionally, I am requesting to have the negative remarks removed from all three credit bureau reports and have the account updated to " closed/never late '' because the account is still reporting as late each month although it has been closed by the creditor.
I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!
Was taken to court debt was satisfied through court. Barclays says there is a balance in the account there is not it has been payed. Barclays has all info about account being payed and satisfied but wo n't change credit info says I still have a balance on account. I have a notarized document from courthouse saying debt has been satisfied but Barclays wo n't change it.
Been receiving harassing phone calls from synchrony bank concerning a sam club credit which I do n't have. I contacted the bank and was transfer to sam club credit. Sam club credit acknowledge that they have no record of me. I ask for the phone calls to stop but they still keep coming. Been receiving these phone call for a month, several times a day.
Ocwen Loan Servicing is the most difficult company to communicate with I have ever had any dealings with. I email them and get no response. If you call and someone should answer you must make an appointment with a rep of the company to call you back in two or three weeks. If you manage to have the discussion with the ocwen rep you wo n't be able to understand a word of the conversation because they barely speak english. That is absurd. What does it take to get a simple answer to simple questions. It is as though they do not care nor do they want to be of any service to their customers. I did not choose them as my mortgage company my loan was apparently bought and sold a few times and they are what I wound up with. Terrible.
My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
I had an issue with Coinbase about XXXX, 2017. I received an email from them and when I opened it in my internet browser the login and password fields were populated with my login and password. I thought the problem was theirs so I called and put in a support claim. They immediately deactivated my account for security reasons. I subsequently realized that it was my internet browser that populated those fields in their email. I contacted them, explained the problem and how I felt it happened and was fairly sure the problem was on my end. I readjusted my browser settings immediately. It has now been more than six weeks and they still have not reactivated my account. After several calls and emails I still receive no indication they are addressing the problem. I ca n't log into my account. I do n't even know what the balance is. Their customer support hotline would not even connect you with someone to talk to. It just told you to try again later and then disconnected you. I would appreciate your hellp.
On Thursday, XXXX XXXX at approximately XXXX, I attempted to purchase a laptop computer as a XXXX gift for my husband through XXXX. The original price of the computer was {$790.00}, however the doorbuster deal was {$540.00}. I submitted my credit card information, twice, within 3 minutes and XXXX times were declined. Assuming this was an issue with XXXX ( due to traffic volume ), the option to pay through XXXX was also available. I submitted my credit information through XXXX and it was accepted. I received an email ( attached ) stating the payment was accepted and XXXX would contact me soon to confirm processing. 
Within 1-2 hours, I received an automated call from PNC for loss prevention, checking on the charges. The first XXXX charges were noted as " declined, '' which I accepted ( because they were ) and the third charge, through XXXX, was noted as " approved, '' which I also accepted. I did not receive any other calls or emails throughout the holiday weekend regarding the purchase. 
On Monday, XXXX XXXX, I attempted to contact XXXX XXXX regarding the order, with no luck. 
Wednesday, XXXX XXXX, I chose to further the investigating. XXXX Customer Service confirmed that PNC DECLINED the purchase on Thursday, XXXX XXXX, therefore my order was never processed and I would not be receiving the discounted computer. 
After speaking with multiple PNC Customer Service Reps on Wednesday, XXXX XXXX ( XXXX of them basic reps, XXXX of them Retail Escalation, XXXX of them a manager and still waiting on a return call from the direct supervisor of the manager ), the conclusion ( and these words came directly from the manager ) was that " After you approved the payment through the automated system on XXXX, it was your responsibility to go back in and submit the payment, AGAIN. " When has this ever happened?? I have never experienced a situation with a credit card that the purchase needed to be submitted AGAIN after an automated system. I told the Retail Escalation Manager that they prevented me from making a purchase on a sale item and I have now lost out on a savings of {$250.00}. What would be the point for me to keep a credit card with their company if I could n't use it on large purchases ( OF ONLY {$500.00} )? 

I am requesting compensation from PNC Bank, in the amount in which I have lost out on the deal ( {$250.00} ). Someone on their end completely messed up and they are refusing to take responsibility for their actions. An apology is not enough. I am a very loyal customer, have been with PNC for almost 10 years now, always pay off the credit card and although I so much appreciate the prevention of fraudulent activity, it has completely screwed me. They neglected to inform me that the last transaction through XXXX was never submitted and to me, this is completely unacceptable.
I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.
II have a charge on my account for {$2.00} with XXXX XXXX XXXX and I did not make the purchase of {$2.00} with XXXX XXXX XXXX. I went to a chase branch and was told that it was going to be disputed around XX/XX/2018. I was told by Chase on the phone on XX/XX/2018 to call XXXX XXXX XXXX pertaining to the charge. So, I called XXXX XXXX XXXX and spoke to a Manager Name XXXX XXXX who advised me to dispute it with Chase. I then Called Chase back and spoke to a Chase Manager Name XXXX who was rude to me and refused to file a dispute regarding the XXXX XXXX XXXX  charge. I then asked to speak to another manager several times and that was refused. Then XXXX hung up the phone on me. I also was told by chase to close my debit account and I declined. I just want my dispute to be resolved.