davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

Purchased a television and dvd player back XX/XX/XXXX when I was XXXX and not working. I made all installments on time until XXXX. XX/XX/XXXX I received a settlement and went to pay off the balance in full at the round XXXX store I purchased the equipment from. When I went to the store the manager calculated what I owed to payoff the account which was just over {$700.00}. I paid that day and thought the account was closed. I received no additional bills or phone calls for close to a year. In XXXX I started receiving collection calls from calls. They call me on average XXXX times a day. Sometimes they say I owe {$110.00}, sometimes {$120.00} and sometimes {$140.00}. I told them I paid off the account last year. They informed me that I had insurance placed in the account and the additional money due is for unpaid insurance. I never asked or was told about any insurance and I later find out its XXXX and unemployment insurance. I was XXXX and not working at the time I purchased the television so this insurance does not even apply to me. I have asked them to remove the insurance and close my account since I paid it in full back in XXXX. I keep getting the run around. I have asked to see the contract XXXX times and still have not received it. Bet shady business practices going on here. Apparently I was paying for insurance almost a year without knowing R and they received that money I 'll gotten. Now they want more. I want the insurance removed, the account closed in good standing paid off and the information sent to the credit agencies. This needs to be done now!
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

My XXXX XXXX credit card with Barclay was closed by bank on XXXX/XXXX/16 without any explanation. However I had XXXX reward points accumulated from my previous purchases. I contacted Barclay to redeem my points, but they refused stating that my account was closed and I ca n't redeem any points. I have not violated any rules and I have earned my points according to all terms and conditions. It looks like bank is using these practice to annul points that customers earned.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NC)

Cashier did not key in my name correctly during the application process. She used my middle name as my first name and my first name as my last name and yet Synchrony Bank approved the application. When I caught the error, Synchrony Financial Credit Services made other errors and I never received the card. One representative verified my personal information on my account, did not document her code on the file as having access to my to my records, and kept me on hold for 1 hour playing the " music '' refusing to allow me to speak with a supervisor. I used my cell phone and allowed another supervisor to hear their music on my landline phone. I consider this abusive of power, invasion of confidential information, r and failure to properly document access to my account. I have been waiting for two week to speak with an executive about this. No one has called ; thus, I have closed my account and requested the positive credit in the form of a check. Each time that I call customer service, I am told something very different. The integrity of my account had been compromised. Weeks have passed and the Executive Office of Synchrony Financial Credit Services has not called me.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I HAVE A JCPENNEY ACCT AND I HAVE XXXX INSURANCEON THE ACCT! I HAD A XXXX IN MID XXXX I AM NIOW XXXX FROM A XXXX I AM IN XXXX! THEY SHOULD BE PAYING THE ACCT
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX 2015 I started to have major Problems With Barclay Card US MasterCard. I was a few hours late on my paymehnt I was charged a late fee and had called in and emailed the Customer Service XXXX. I was over my limit and i was charged Late charges and Overlimit Fee charges over XXXX I emailed and spoke to the Customer Service Center and they refused to help. Finally I contacted the XXXX to see if they could help and I spoke to a Customer Service Agent and she was very rude I felt that she was discriminating against me and did not take the time to help. She was very Prejudice against others. All on want is removed off my credit report and I will go to a differnt company due to Barclay Card being didcriminating against others.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (NY)

On or about XXXX of 2015, XXXX contacted me about certain JC PENNY credit card debt account # XXXX. I personally notified XXXX, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, XXXX, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised XXXX, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that XXXX provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of XXXX and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, XXXX purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NJ)

I made a purchase through XXXX XXXX using their offer of credit with no interest if paid within 6 months. The purchase was paid in full within the allowable time. Payment in full was made in excess of 1 1/2 years ago then the account promptly closed. The credit card was with Synchrony Bank. Recently I received a promotion from Synchrony Bank referencing my account. When I called they stated that the account was closed, but I came to realize that all of my personal information, INCLUDING SOCIAL SECURITY NUMBER, remained in their data base. A request to delete my information, especially my SS Number, was rejected by multiple people at the organization.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Results Unlimited, Inc. (VA)

XXXX XXXX XXXX and Results Unlimited, Inc. has sued me via civil judgment for debt relative to their decision to evict me after my roommate moved out unexpectedly. After much pleading and providing a plethora of supporting evidence, the company pursued legal action and I was never informed. 
I eventually found out that there was a trial and judgement placed on my credit. I did an annual credit report review and noticed this judgement on my credit for {$3.00}, XXXX. The company has now placed a garnishment of 25 % of my disposable income and has since increased this amount to {$4800.00}. 
Meanwhile I have not been properly informed of any of these actions taken against me. Results Unlimited has not provided me with any forms or documents that has outlined any of their processes and actions toward pursuing this judgement of collections against me. When I reach out to Results Unlimited they only give me verbal information and aggressively leave me without any hard copies of evidence used in a court of law against me. 
I am a law abiding citizen who has overcome many personal obstacles to obtain my current career. This company sent court documents to an address that I moved from some 2 years ago and since have since lived at XXXX addresses any of those potentially being my " last known address '' but they chose the furthest address relative to time moved and distance to send these court correspondences. 
This company continues to use bad servicing practices to prey on individuals whom are already in compromising positions. I need assistance with this matter immediately and I am thankful for the support of CFPB.
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.
Consumer complaint received 2016-10-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZARVAD III S.A. (LA)

First of all I applied for a payday loan with my payday loan. After seeing the outrageous finance fee I decided not to take the loan and exited away from the screen without agreeing to electronic signature agreement. Next day there was {$300.00} in my bank account and they prevented me from cancelling by making it impossible by communication. I eventually closed the account and they turned me over to XXXX XXXX XXXX who then turned me over to XXXX XXXX. I began receiving threatening phone calls from XXXX of XXXX XXXX XXXX who said I owe {$1100.00} but would give me a discount of {$800.00} due if I set up arrangements to pay with payment information. I told her I did n't have it and she then told me she was turning me in to my parish district attorney and I 'd be served a summons at my work. Then she called my mother in law and left her a message that I had charges against me. I finally gave her my credit card number but will cancel the card after I hear back from the original lender on whether the company is correct in their claim
Consumer complaint received 2015-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC (OH)

I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recover, LLC (PA)

All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NY)

I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.
Consumer complaint received 2016-06-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

On my Citi Professional Cash card statement of XX/XX/XXXX, I am being charged a late fee of {$39.00} and interest charges for {$24.00} after I 've been clearly told on many previous phone calls with citcards ( most recent call was on XXXX XXXX ) that payment was due on or before the XXXX of each Month to avoid late payment and interests. I had consistently made full statement balance payments since XX/XX/XXXX to avoid late fee and interests. Because I was mislead by citicards I 've asked for reversal of these fees which one their Citi supervisors said that he 's unable to reverse. I 've been with citicards over XXXX years and never had issues of late payment on my account. The only reason there is a late payment this past month is because of the misleading information i was given.I 've asked citicards to provide me with full disclosure of how billing cycle days are calculated so i can get a good understanding of how due date are changing on my account. Citicards is saying that they can not provide such document. I would like the Consumer financial protection bureau to help resolve this issue with Citicards and get me the reversal charges of {$39.00} and {$24.00}. I think Citicards used misleading tactics to gauge me for additional charges. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (MI)

I visited a Costco at the location in XXXX XXXX, Michigan at or around XXXX on Friday, XXXX XXXX. The employee working the credit card station near the entrance made material misrepresentations to me when I applied for the Costco Anywhere Visa Card by Citi. The false statements are as follows : 1. Handing me the terms and conditions of credit card after being told that " I was only applying for a card. '' 2. She handed me terms and conditions for a business credit card, which is a different credit card with different terms and conditions. 

3. I was verbally told that the seven-month, interest-free grace-period would not begin until I used the card. ( Actually, the grace period began to run as of the day I applied. ) 4. I was not informed that my Costco membership would be automatically charged to the card. 

5. I was not given any terms and conditions until after I " applied. '' After reading the terms and conditions, I decided that I did not accept them. We should not have a contract. I do not believe there is one. Still, my credit report will show negative scoring because you issued a credit card in my name without my permission or assent. 

I feel lied to and betrayed. If possible, please remove any discrepancy from my credit report. How will you attempt to rectify this problem?