davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NC)

I had a Banana Republic Visa card through Synchrony Bank. In XXXX 2016, I had to cancel the card because Synchrony could not tell me how to stop the unauthorized auto payments that kept occurring. They told me I must have set up the auto pay through my bank which is impossible because I have never once use that feature for any online bill pay. When I cancelled the card, there was a little over {$60.00} credit that they were supposed to have refunded. I still have not received the refund. I opened another card in XX/XX/XXXX. Last weekend, I logged into my online account to make a payment on the new card and saw a balance due on the cancelled card of a little over {$70.00}. I called to find out how charges were posting in XX/XX/XXXX to a card cancelled in XX/XX/XXXX and no one could tell me. They said they would have to send it to their fraud department. Today, I received an email from Synchrony stating that the transaction being disputed was not found. I logged into the account and it is now showing an approximately {$42.00} credit. I called to inquire and still, no one can tell me what is going on. I am hoping that the CFPB can assist in getting this issue resolved.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ XXXX ] [ XXXX ] [ XXXX ]
Consumer complaint received 2015-07-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (MD)

I was declined a loan from the partnership of Ethan Allen and Synchrony Financial while having a pristine credit record, FICO score of XXXX, $ XXXX in Synchrony Bank and a $ XXXX income. 
Reason given, " insufficient credit history ''. 
It is my opinion that it was because of no chance of default therefore, no interest would be generated, therefore no profit. 
I consider this to be discriminating to a XXXX year old and an unethical business practice and violates truth in advertising.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (CO)

I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the card.
Consumer complaint received 2016-07-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,
Consumer complaint received 2015-05-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

I took out a loan from Care Credit in order to pay dental bills. When I took out the loan it was for 24 months with no interest. XXXX I paid my payments to GE Capital. Beginning XX/XX/XXXX, it changed to Synchrony Bank. I paid on time every month. In XX/XX/XXXX I noticed my statement stated that my free interest has expired. I called and the man I talked with, told me the contract had changed. I have never heard of a contract being able to be changed. We argued back and forth for awhile and then he said " If you pay {$280.00} now, we will consider the bill paid in full. I wrote them a check for {$280.00} and put " paid in full '' on the entry. Yesterday I received another bill with the {$280.00} credited and a new balance of {$180.00} at an interest rate of 26.99 %. 
I am XXXX years old living on a fixed income and do n't like to be lied to and taken for granted. I 'm sure they are doing the same thing to other people. I am absolutely positively sure I signed up for 24 months of payments at no interest. I hope you can help me and I look forward to hearing from you soon. This illegal payment is due XX/XX/XXXX. 
Thank you.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (WA)

I have recently become aware that I am a victim of identity theft. XX/XX/2015, approximately XXXX 2015, there were several ( XXXX ) credit cards opened under a different name while utilizing my social security, date of birth and a different address that are not mine nor ever have been mine. I have tried to communicate with this company and between either only being able to speak with someone that basically speaks very broken English, I have seemed to gain no traction. I have also contacted XXXX, XXXX and XXXX to dispute with them accordingly in hopes to help expedite the removal of this information from my credit files.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TN)

My complaint is against GE Capital Care Credit. I received a loan through them for XXXX XXXX XXXX in XXXX of XXXX. The office finance person of XXXX 's XXXX XXXX offered this line of credit so that I could have the procedure done. Nothing was really explained at that time so I signed the document and was ready to go with the {$3000.00} credit and a promotional period of 3 years. I had also used it to pay for a XXXX for my daughter in XXXX of XXXX for {$300.00} in which I was told over the phone the promotional period would be 2 years. I turns out that the second loan promo period was only for 1 year. I do all of my transactions online and have never looked at any of the statements they have sent me until they charged me the XXXX very large interest charge of {$940.00}. The online version does not really keep a history of payments like it says it does and I was sure I had covered the XXXX loan by this time ( XXXX/XXXX/XXXX where as I had already paid them {$3.00} on XXXX/XXXX/XXXX ). Over the phone they had told me that I owed a large amount of late fees that totaled up to by {$47000.00}. These interest charges never shows up on the online version ... EVER! I then asked them to send me all of my statements. They did and when I received them I found that if I am a day late or the payment date they charged me anywhere from {$25.00} to {$37.00}. I was told by the person at XXXX 's XXXX XXXX that they had a 10 day grace period which obviously they do not. I also saw that they had been charging some type or interest charges of different amounts from time to time. They also charged some other fees and I have no clue what they are or why they charged the interest or the other fees. I did some research and found that your organization file a class action law suit on them. I read it and also found that I met all of the criteria for this suit but was never notified about it. They started calling me non-stop until they turned it over to another company that called non-stop after I told them to not call me. Now there is someone calling my phone threatening to issue a subpoena for me to be in court. This person has never shown up and I 'm not sure where I stand in all of this. On top of all this, they ran another credit report, that I did not authorized, on me in an attempt to lower the line of credit available, not that I will ever use this again. Please help me, I have already paid these people {$350000.00}.
Consumer complaint received 2015-08-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

I am filing a complaint with this credit card issuer in regards to XXXX of my accounts with them which are as follows : JCPenney, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Walmart Store Card, XXXX MasterCard. All of these accounts were frozen by this credit card company. After I called in to see what was goin on, they told me that their " Fraud Department '' wanted to verify my identity and would be sending me some forms but would NOT tell me which kind. Being a good citizen and honored veteran, this situation made me feel nervous so I wrote a letter and emailed it to the CEO 's office ( XXXX XXXX ). I received a phone call from XXXX and she explained that they wanted me to complete a XXXX form to verify my income. I advised that I am a XXXX Veteran and that my income is Tax Exempt and I do NOT file a tax return and therefor could NOT complete this form. She assured me that I could provide an alternative means to complete this task and that someone would be contacting me. I did receive a call from XXXX XXXX who said he works in the " FRAUD DEPARTMENT '' and needed this XXXX form to verify my identity. I offered to send my Passport, Military ID, etc to provide such proof and he later explained that no actually they just want to verify my income. I explained that my income was tax exempt and that I could provide him with the " VA Awards Letter '' which provides proof of my income that all MORTGAGE LENDERS, AUTO LOAN COMPANIES, CREDIT UNION 'S, PROPERTY LEASING AGENT 'S, accept as final proof of income, pretty much everyone EXCEPT for this credit card issuer. I was told that unless I signed this stupid tax transcript request form that all of my accounts would be closed and that there was nothing I can do. So I am only left to assume that I am being unfairly harassed. Perhaps they have a problem with XXXX people or XXXX veterans and it is their way of discriminating against us. I have had the privilege to meet XXXX XXXX our great Attorney General of Florida as well as my State Senator XXXX XXXX and I am very sure they would not be happy about being harassed by this company for NO APPARENT REASON! I would like them to end this ridiculous game they are playing with me and unfreeze all of these accounts which by the way all have XXXX balances and when I use them I pay them in full each month like a responsible person should or allow me to only send them my " VA AWARDS LETTER '' like any normal LENDOR would accept and end this game that way. If this issue is NOT resolved, I promise that I will spend every minute of my day informing Veteran Service Organization 's, Media Outlets, Local News Channels, Cable News Channels, Print Media, Social Media, etc. of how a " War Hero '' was harassed by this Company and I will make it my mission in life to make sure that this type of behavior never has to be tolerated by a Service Connected XXXX Veteran again! Thank You
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (AZ)

Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.
Consumer complaint received 2016-06-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (AZ)

My family booked a room for two nights direct with the XXXX website for XXXX Arizona. However, it required joining their Wyndam Rewards club. Did that and it promised to give a XXXX dollar credit if I also applied for the Wydam Rewards Visa card issued by Barclays Bank Delaware. I checked to do that and apply the credit. No such luck. Instant denial with a XXXX credit score at XXXX XXXX ( the one they used ). Booked anyway since was my birthday get away. 

Two weeks and a day later, the credit denial letter came. But, the motel room was not acceptable and we stated at the counter we could not stay in such a horrible room another night and asked to be let out of a reservation for the second night. Manager/owners refused. 

XXXX and XXXX companies are playing the game and will not stand behind their quality policy which is readily available. XXXX was on bathroom door. Sheets dirty and soiled. The worse part was my side of bed had a sheet ironed which became brown and had a XXXX inch or so spot which was as course as sand paper # XXXX. A video shows and allows you to listen to the sound of this spot, ruining the use of the bed for the first night. 
XXXX The video says it all. 

XXXX XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (CA)

I have XXXX XXXX going back to XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX Texas to the XXXX room. I had my XXXX removed. I have told them to code the bill properly to the hospitals and the XXXX different collection agencies. I 'm not paying out of pocket for the rest of the treatments. I have insurance. Optmium Outcomes has repeatedly called me on my phone and ignored the stop all contact letter sent on XXXX XXXX, XX/XX/XXXX certified mail # XXXX. XXXX the bill correctly or XXXX. My insurance premiums are taken out of my check every month. This has been ongoing for 2 years.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.
Consumer complaint received 2015-09-06
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending (CA)

I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX
Consumer complaint received 2016-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CA)

I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. 
I need a reply before my forebearance is over.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Westcreek Financial (SC)

I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: REGIONS FINANCIAL CORPORATION (TX)

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.