davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Wal-Mart XXXX credit card back in XXXX. I purchased an item last XXXX XXXX with my Wal-Mart XXXX card ; I ended up returning item for a refund a year later XXXX XXXX XXXX ) from the hardware store. In Spring XXXX, Synchrony Bank announces via mail to all cardholders they will drop XXXX in exchange to form with new merchant, XXXX. The hardware store, Lowe 's, returned amount back to the XXXX card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to my name in the form of {$260.00}. She stated that in order to obtain back that money, I would have to go to Lowe 's for the refund. Upon discussing for refund, Lowe 's in-store customer service rep stated their refund policy recompenses are sent back to cards and stated that they no longer have that money and then said to re-check with credit card vendor. I then called Synchrony Bank customer services, after XXXX attempts to retrieve XXXX Card information regarding where this money supposedly refunded disappeared to, they finally said that they could not help me anymore. Synchrony Bank claims that since they are no longer with XXXX, they no longer have any responsibility on the whereabouts to where this money got funneled to. Not given an explanation or attendant to whom I could speak to help me find a contact to tracking down a solution, it 's hard not to feel helpless in this situation. Since XXXX is the only channel to get this refund back, I hold them fully responsible for not taking any capable action to at least assisting me to get this money back. I have no other alternatives, just a concerned customer having an issue with a card I make timely monthly payments to. Thank you for your time.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Conn's, Inc. (TX)

I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (VA)

I have a rewards credit card with Chase. I contacted Chase to cancel the card in late XXXX and have not used the card since, but they claim there is no record of the phone call. They charged me a {$95.00} annual fee in XXXX XXXX XXXX, and e-mailed me a bill in mid XXXX. I XXXX on XXXX XXXX and was out of work and recovering until early XXXX an did not see the e-mail from Chase. When I did discover it in late XXXX while reviewing my open credit card accounts I contacted Chase by phone immediately. Claiming that it was now more than 30 days since the charge posted, Chase refused to refund the charge. I have contact Chase via phone and secure messaging on the their website multiple times asking them to reconsider. In my defense, my original cardholder agreement gave me 60 days of leeway to cancel without having the pay the annual fee. According to research on the internet, Chase changed their policies around XXXX XXXX and since has been refusing to waive these fees nor refund them to cardholders. I have closed all of my accounts with Chase and requested they remove me from their mail, phone, and e-mailing list. I have going through the Chase website 's charge dispute process, but the request was rejected by Chase. In summary, Chase originally allowed me 60 days to refund the annual fee charge ... I called to cancel the card last year but there is no record with Chase of that call ... once I discovered the charge I contacted Chase immediately ... I have contacted Chase via phone and e-mail on multiple occasions with no success. Finally, I have received no benefit/good/service from this annual fee. It 's a scam for them to violate their original cardholder agreement and refuse to provide a refund. I 'm concerned that my near-perfect credit rating will be impacted if this issue is not resolved soon, as I 've never had a late or missed credit card payment in my life ( and am over XXXX XXXX XXXX now ).
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (AL)

I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (MD)

Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

My complaint is with Synchrony Bank and their Walmart credit card services. I had not received a billing statement yet, but I had wanted to start making payments, so I called the phone number on the back of the card. I was told I could pay that day, that my payment due date would be the XXXX of every month and that my minimum payment would be {$25.00}. I made my payment for that billing cycle on XXXX XXXX for {$26.00}. For the last week and a half, I have been getting constant phone calls informing me that I never paid my bill. I had posted my payment online on XXXX XXXX and the money was removed from my account XXXX XXXX. The first person I spoke to about this incident informed me that I had posted a payment on XXXX XXXX but that it never went through. I have iron clad bank statement proof that it was removed from my account for " Walmart Card Services. '' After numerous confusing phone calls to Synchrony, I was informed that I made my payment too early and therefore, it did not count towards that particular statement. I am being charged a late fee, plus a back payment, plus another late fee and a negative impact on my credit report. Out of all of that, they only agreed to remove XXXX late fee, when there should be no late fees and no extra payments needed. No one should be penalized for making a payment too early and that is exactly what is being done. I doubt that I am the first person to experience something so absolutely ridiculous, but I never the less, feel that this should be brought to your attention. This is a blatant example of how hard working, honest citizens end up with nothing. I want the late fees removed. I want the negative impact this has made on my credit report righted, and above all else, I want this to never happen to anyone else, ever. How is it legal to punish individuals for repaying a portion of debt too early? If this is legal, I would like to know under what statutes of law immediately. Synchrony and Walmart should be ashamed of themselves.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NJ)

XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (LA)

I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (GA)

A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-12-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (OH)

DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

After leaving school I had tried to pay back my private loan with NAVIENT. I am currently unable to pay the XXXX a month payment that they say I can not lower. I receive letters in the mail saying they will send my account to their legal network for litigation if I do not submit payment by XX/XX/XXXX. I have already made a forbearance because it was the only option that I could afford, which brought me only temporary relief until the calls kept coming. I offered to make a smaller monthly payment but they said that I could not do that, only the payment upwards of XXXX $ was available.
Consumer complaint received 2015-10-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACS Education Services (WA)

On XX/XX/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, XXXX She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that they do NOT have my cell phone number ( they only have our landline ). The phone number the person calling used was XXXX, which ( from a XXXX search ) appears to be used regularly for this purpose. I 'm concerned that this person not only knew I had a loan with ACS, but they also had my cell phone number.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

My servicer, Nelnet, does not allow me to view communications without opting into electronic communication and also failed to send certain correspondence by mail. I just recently started a government job and qualified for PSLF. I filled out the form and my loans were to be transferred to XXXX from Nelnet. 

I got an email that there was a form to view about this from Nelnet, but when I logged in, there was no way to view it without signing up for EStatements, which I did not want to. I 've previously missed notification to renew my income-driven repayment as a result of unclear correspondence and I only wanted to correspond by mail. This would n't be an issue if I had received the notice of transfer by mail, but I have zero correspondence from them about this. The email that there was a document to view about the transfer was XX/XX/2017 and as of today ( XX/XX/2017 ), I still do n't have what I need.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (NE)

Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (HI)

We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (TX)

Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear my credit.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX charges were made on my account today that I did not make. My bank did nothing to fix the issue other than tell me to wait for the charges to go through. I have not had my money refunded and had to call the local branch to get my card canceled. They told me to call the companies myself to dispute the charges, when it should be their job.