davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CO)

I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
Consumer complaint received 2017-01-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (IL)

My Sam 's Club MasterCard operated by Synchrony Bank had some fraudulent activities on it. The account was closed and a new card was sent to me. Once I activated the card I could then log in on line and check my account. The problem is since Synchrony Bank closed the account I can not go on line and look at any previous charges under my old credit card number. After several call to customer service managers the above statement is true and they have had other complaints about the same lack of service from other customers. The explanation is " That 's the way are system does it. '' Even though they have the ability to look at history the customer/account owner does not. When you get hacked you get victimized twice once by the perpetrator and once by Synchrony. So nice to be a valued customer ... ... ... .NOT!!
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I opened a Citi AA card because of the promotional offer and because the advertising said that I could use the card immediately if approved. My card was approved but they wouldnt provide me with the temporary card number to book a flight. I called Citi and they said I have to wait 2 weeks for the card, by which time the flight price will have increased. This was clearly false advertising.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (NY)

i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MS)

I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (AZ)

Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

Use of Gap Visa card issued by GE Capital Retail Bank was declined on XX/XX/XXXX. Card has expiration of XX/XX/XXXX and has a credit balance. Customer Service says card cancelled because issuing new one with chip. Other card companies keep card valid until new card activated. A declined card is embarrassing. This practice is poor customer service and relations.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: A.R.M. Solutions, Inc. (CA)

This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.
Consumer complaint received 2015-10-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CT)

About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (FL)

XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MI)

I purchased a home with citibank in XXXX through the FHA program. In XX/XX/XXXX I contacted XXXX XXXX via phone and started a REFI to conventional. While on the phone I had asked about being credited back the upfront mortgage insurance premium because I had only been in the FHA program a matter of months. He told me that would be credited to me at closing. When I received the HUD prior to closing I asked the closer where my refund was. She told me that would come from HUD in XXXX weeks. That I have in email format. I was expecting well over a XXXX dollars back in MIP refund which I have been told by HUD that I do not qualify for because I refinanced into a conventional product and not FHA. I was lied to and mislead.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (CA)

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/2016, I went to the Citibank branch located in XXXX, XXXX ( XXXX XXXX XXXX ) at approximately XXXX. I attempted to deposit a third-party check into my Citigold account endorsed to me by the payee ( my fianc, who also has an account with Citibank ). At least monthly for the last year, I have made this deposit without incident. I was initially told by the teller that Citibank does not accept third-party checks. I requested to speak to the Citigold representative, XXXX XXXX. I asked XXXX XXXX if he could look up the third-party policy and let me know what it says and I asked if there had been a recent change. He stated he did not know and was unwilling to look it up after several request. I asked to speak to the manager, XXXX. XXXX. XXXX XXXX gave very terse responses when I asked if he would call the payee and verify with him directly or look up the policy and explain to me what it says. At this point, it was XXXX. XXXX XXXX stated there was no third-party check policy at all and that he makes the final decision and was not willing to accept my deposit. However, he gave no additional reason ( s ). I left the bank feeling like I had been treated like a third class citizen. Feeling like what I was told was untrue, I logged into my Citigold account and searched for the client manual. There, on page XXXX, under " Check Cashing, '' it states " Third Party Checks. In certain instances, we may allow you to cash a third-party check ... .at a Citibank Branch up to the available balance in your account using your Citibank banking card as identification. '' This was beyond upsetting as I blatantly lied to and refused rights listed in the Citibank Client manual. Neither the Citigold representative nor the manager bothered to look up my account balance ( $ XXXX ) or ID me through my bankcard. I was deceived and treated unfairly.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (MD)

UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Four months ago, I applied the CITIGOLD account with the promotion of XXXX AA miles. Before applying, I double checked with their representative if I 'm qualified, they told me yes, I 'm totally qualified. According to their policy, they should give me XXXX AA miles at the beginning of this month, but they did n't. I called them several times this month, the representatives checked and told me I 'm qualified for the promotion and they should have given me the bonus of XXXX XXXX miles. In the meantime, they told me they 'll go ahead and deposit XXXX XXXX miles to my XXXX account within 48 hours and they 'll email me about this. But I waited for a whole week, nothing happened. Then I called them today, they let me provide the proof that I 'm qualified for this promotion, which is ridiculous since that 's four months ago, how can I keep the proof with me? I receive lots of mails everyday!!! They said if I do n't have proof, then they 'll review the case and it 'll take 30-60 days. I feel like they do n't want to give me the bonus anymore, they 'll take one or two months to deal with this and I do n't even know the result. I feel like I 'm fooled by them. I googled and found out many customers are in trouble with this like me. I really do n't know what to say.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with XXXX XXXX XXXX XXXX XXXX XXXX even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to XXXX XXXX TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but XXXX XXXX continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH XXXX with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be paid.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (UT)

I had a Citibank card for sears. When I first took it out I was called to enroll in the XXXX coverage for sears card. I had a trial period to try for free. I never really used the card so I called and canceled the coverage. They said ok. I let my daughter use it who is a single mother for a small amount is what I told her. My daughter is on the XXXX and try 's to do things on her own. Well time went on and she had charged a large amount on it. 
I get a call when I get out of the hospital from XXXX from Citibank telling me she was late on the payment and owed about {$10000.00}. I was shocked that she never told me about this. When I found out she had done this I started to pay the loan down and found out that sears had been charging for the XXXX insurance the hole time which totaled about {$2500.00}. When I called sears they said they would refund the charges and cancel it because I explained I canceled the coverage before I let her use the card. I was refunded for two months and told they had no record of me every canceling it. I explained how my daughter had run it up with out me knowing it and thought she had paid off what she had charged. I spoke to supervisors at sears XXXX and XXXX told me there was no record of me canceling it and she did n't believe me when I said I did n't know she had charged that much on it. so I had to file a request for higher up and that was denied. I told them to look at the account to prove as soon as I found out I started to pay it down quickly and to remove those charges. Come to find out it was a person at Citibank that made that decision. I told them if I would of know about the coverage on there and they did n't cancel it I would of made a claim for when I was laid up for XXXX months. They told me I stilled owed for the coverage and nothing I could do about it.