davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (CA)

Never received a notice from this company to allow me to dispute the debt. I received notice from my credit monitoring company. Once I received notice from the credit monitoring company, I contacted my granddaughter who lived at the residence ( I just signed for her to live there, I DID NOT, live there ), she contacted the company, filed a dispute with the XXXX on XX/XX/2016, who tole her to send her dispute via email, my granddaughter sent her dispute and XXXX never got back to her. So again on XX/XX/2016 My granddaughter called again because the item had nit been removed from my credit and XXXX had not gotten back to me or my granddaughter. So, my granddaughter called on and spoke to a XXXX who said he had to get my consent and authorization to discuss any account matters with her. So my granddaughter did a conference call with XXXX, myself ( XXXX ) and XXXX, at that time i gave XXXX authorization to speak with and discuss any matters pertaining to this account, with XXXX, I was then removed from the call. XXXX then verbally took XXXX 's dispute over the phone as well as having her email him the dispute. XXXX told XXXX, because the XXXX days had passed and XXXX failed to respond or provide verification of the debt, that it should be removed, XXXX then told XXXX it was not XXXX days from XX/XX/2016 when they spoke to XXXX but the XXXX days would start from XX/XX/2016, because that is the day I gave them authorization to speak to XXXX XXXX. XXXX days passed and I still received no response to my dispute, it was not until XX/XX/XXXX that I received anything from XXXX. I am demanding this item be removed from my credit report. The money being charged by the company is not valid and I do not owe this money, I did not receive notification of this debt, I disputed this debt and the validity of this debt and did not receive a valid response.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (MA)

I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.
Consumer complaint received 2015-10-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ZIONS BANCORPORATION (UT)

I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CMI Group, Inc. (DC)

They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (FL)

I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}
Consumer complaint received 2021-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I was charged a 5 % fee for funds that were held but not dispensed to me in my paypal account. The funds were " placed on hold '' for over 2 weeks, but withdrawn from my account and I was still charged a fee. I never had access to the funds.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.
Consumer complaint received 2015-07-05
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I applied for a Lowe 's credit card to pay for a renovation. The card was to be without interest for XXXX months. I never received the initial credit card from Lowe's/Synchrony Bank, XXXX XXXX XXXX, XXXX, Ga XXXX and a XXXX card was sent to me. I began receiving statements for the XXXX card however I was being charged interest. When I advised them of this problem they began transferring interest charges from the old card to the new card. In XX/XX/XXXX they said my balance was {$12000.00}. I calculated my balance to be {$10000.00}. I would crack quested that they give me a payoff amount and they said my payoff amount was {$12000.00}. I contacted them and asked them to tell me why my balance was that amount. They did not reply and I felt I did not have to pay the monthly charge that they were asking because the balance was incorrect. My monthly payment for XXXX was {$230.00} Which should have not have been that high. I did not pay the {$230.00} and now they are asking for a minimum payment of {$490.00} and charging me {$100.00} on interest and {$25.00} in fees. I want to pay off the entire balance of this credit card and I feel that they are not cooperating.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

XXXX stores had an exclusive deal with XXXX XXXX for a store credit card. XXXX decided that they wanted to do business with Citi bank and not longer XXXX XXXX. I never authorized XXXX, XXXX XXXX or Citi bank to send me an unsolicited Credit card. I received a Citi bank credit card in the mail today. I never applied or authorized this transaction. I am under the understanding that it is illegal to send sombody a line of credit via credit card without exclusive authorization from the potential card holder.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony bank is absolutely disgraceful. A customer service representative told me that I could make a minimum payment without receiving a late fee. I was still assessed a late fee and concurrently assessed a late fee every month thereafter even though I was making payments. I 've tried calling and filing complaints and each time i 'm either given the run around and directed to people who tell me flat out that they ca n't help. I told them that I would no longer make payments towards the account if they were still going to charge me a late fee even though I was making on time payments. At this point I do not know what to do. The are impossible to work with and they 're ruining my credit score. I do n't know what to do.
Consumer complaint received 2015-07-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank is not sending XXXX closed XXXX account moneys to Trustee of a deceased account owner. Bank told me, the Trustee, that the forms would first be sent via mail. When nothing was received I was told by the supervisor that they would be XXXX to me. 5 days later I called and they told me an account number was written incorrectly therefore the bank could not send the forms, nor was I notified by them. I was assured during that conversation by the Supervisor of the supervisors that the forms would be send XXXX and this time would have a return XXXX envelope to expedite the return from me. Today is the XXXX day and I have received nothing. I have a call in to them but there has been no return call. This bank is very untrustworthy and misleading I am now having to contact legal help to get this resolved.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (TX)

I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (NV)

In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

I purchased a {$2500.00} bed from XXXX XXXX XXXX. From the beginning the bed has been defective. It sags, the side of the bed makes you lean to the right, You cannon lay flat as there is a ledge that makes you lean and fall into a hole to the right side. It is broken down. It sucks air when you stand from sitting on the side of the mattress. I have contacted them and they have sent servicemen to my house. The first man said it was bad and they would have to replace. Only to find out that his report said it was fine. He lied. The second time they came out the man measured the bed in the wrong place and would not measure where I told him the problems were. He took pictures of the wrong spot and put that in his report and said it was fine. He lied also. I contacted the XXXX rep. He said the XXXX serviceman should have known not to measure the head of the bed, That he did n't have the proper training and he would get with XXXX XXXX and have them come out and measure again and do it correctly. I just got an E-mail from him saying that he was going with XXXX XXXX 's reports and that the bed is fine. Another liar. I have contact Synchrony Bank who financed the bed through XXXX XXXX and filed a dispute wanting my money back and return the bed. They will not take any photos or information from me either. They said they will contact XXXX XXXX and wait for their reply to make a decision. Again, they will go off the reports they have and take them as correct when they are lies. When the serviceman was at my home I showed him the spots, laid on the mattress to show him how it leaned and where the hole was. He would not even acknowledge my complaints. He said I could turn the mattress. Why would he suggest turning the mattress if there was nothing wrong. I have been trying to sleep in this broken bed and want to return it and get my money back. I ca n't trust this company. They will not stand behind the warranty. I feel XXXX XXXX, XXXX and Synchrony Bank are all together and I have no representation at all. They have taken my money and left me with a defective product. As long as they keep going off the falsified reports I have been a victim of fraud. I desperately need help. Synchrony Bank told me the first time I called that I could not file a dispute and if I did n't pay for the mattress they would hold me liable and damage my credit, plus add on 29 % interest. I called later and demanded that I file a dispute, but they are only going to contact XXXX XXXX and they will be giving them the incorrect reports they filed to avoid taking this mattress back. Again, who is helping me, no representation. Three against one.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I opened a credit card with walmart/ GE Money bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or 2 ago. XXXX ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (HI)

On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (NH)

Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.