davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

PayPal Smart Connect and Synchrony advertise that a payment can be 24/7 with a live agent. On XXXX XXXX and XXXX, 2016, I attempted to make a payment at the number provided on my billing statement, XXXX, which number answers as " PayPal SmartConnect '' and not Synchrony. The recorded message said they were closed at teh hour I was able to call. On XXXX XXXX I called to complain and was told I would not be charged a late fee and I made the payment due. On my next statement, I was in fact charged a late fee of {$35.00}. I was told that as an apology for charging me a late fee wrongfully, Synchrony would not only credit me {$35.00}, the same amount as teh fee, but also return all my interest for the month ( {$50.00} ). I waited for my online balance to update to make the payment due on XXXX, concerned because again a weekend and holiday would be involved. At XXXX XXXX XXXX the very kind rep had told me that I still had to pay the late fee on or before XXXX. When I explained in detail ( which she said she relayed to her supervisors ) that I was not satisfied because 1 ) Synchrony was demanding payment of a late fee that it openly acknowledges I do not owe, 2 ) Synchrony included the wrongful late fee in my balance and appears to be charging interest on it, 3 ) My credit high balance is being misreported to credit agencies because they have included the {$35.00} in my overlimit balance after their admission that I do not owe it, and 4 ) even if the {$35.00} is refunded to me my records of " Late Fees Year to Date '' and the number of times my account incurred a late fee are intentionally being reported erroneously as they include XXXX 2016 and -- the agent said Synchrony Bank WILL not correct those matters, only they will return the late fee once paid. I am asking for 1 ) correction of my records with PayPal Smart Connect and Synchrony, 2 ) correction of my high balance and late fee information on my statement and reported to any credit agency or any other person internally or externally, 3 ) damages for having to send hour on several phones calls trying to resolve this, interest on the {$35.00} I should not pay, and the cst of checking all credit bureaus to watch what they have reported and if they correct it 4 ) Clarification to ALL customers of the limited hours available to make a payment by phone with a representative and the effect of payments due on weekends and holidays..
Consumer complaint received 2017-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had XXXX in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had XXXX of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency XXXX without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from XXXX and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX. XXXX I received an authorization from JC Penney 's, XXXX, for a reselection of a new mattress, due to our being found to be defective. This process started in XXXX of XXXX. 

We were to reselect a new mattress, pay for this transaction and receive a refund of our defective mattress after they picked it up. We purchased the new mattress and it was delivered on XXXX XXXX, XXXX. Our defective mattress was picked up at the same time. 

The original purchased occurred on XXXX XXXX, XXXX and was placed on a JCP credit account I opened on that day. During the reselect, I informed JCP that I had closed my account in XXXX and was told they would send a check once they issued the credit and discovered I no longer had an account. JCP issued a credit to the original account, now handled by Synchrony Financial , Bank, previously GE Financial. The original account was closed by GE in XXXX XXXX, due to some sort of fraud, at which time they issued a new account. I paid off this account and asked for it to be closed on XXXX XXXX, XXXX. 

I have spent hours talking with representatives and supervisors at both JCP and Synchrony Financial, who confirmed that JCP issued me a refund of {$2600.00}, on XXXX XXXX. This credit went to the original account, which had been closed due to fraud because that is where the purchase originated. On XXXX XXXX, XXXX, I spent almost two hours speaking to four different people including two supervisors, one in fraud and one in credit, at Synchrony Financial. The money is still sitting in the original account and they refuse to release it to me. I have provided all info they requested and yet they tell me they are still trying to figure it out. 

The original reselect email sent by JCP states, " Once the defective merchandise is checked into our warehouse your credit process begins. It usually takes approximately 3-5 business days to post to your account.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2014 I received a letter from Care Credit. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

Walmart/Synchrony Bank on XX/XX/2015Did not follow the XXXX, SCRA when asked for it and submitted military documents supporting the benefits. When I spoke to the representative about the issue he said " We have the documents but that since I was a XXXX that I knew at one point I would get called up and that made me ineligible to receive the SCRA. '' XXXX. Since those benefits were n't given I was unable to make proper payments and even give the minimum. I worked out payments as much as I could at the time for time. Since the interest rate was so high I was just unable to make the payments. Soldiers regardless of status, going from XXXX to XXXX when being called to do so is not a fault of the soldier.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On my XXXX XXXX account I disputed 1 derogatory charge from a hospital on XX/XX/XXXX of this year with Equifax but instead of them disputing that 1 derogatory charge they messed up and disputed all 26 of my accounts that are in good standing and when I called to have this fixed because I dont want my accounts disputed or closed they said there's nothing they can do to fix it and on top of that it dropped my score by 10 points this needs to be fixed I worked very hard to get my credit cards and build my credit I'm honestly about to contact my attorney.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

our citgo gas card had not been used by us since XXXX..our statement dated XXXX showed XXXX in purchase of diesel fuel at XXXX per purchase ... the cards are in our possession so we called and filed a dispute -- -we have cars which take XXXX of gas and we dont live in XXXX ... we notified both customer service and their fraud department ....
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/ there was a fraudulent purchase on my PayPal account. The perpetrator also created another credit card account. My bank resolved the issue in my favor. However, PayPal refuses to close my account and wants me to upload photo ID which I refuse to do. I have deleted banking information on the account, made security login methods to access the account and just want to close it. I am concerned that my account has been compromised and some of my personal information. I refuse to send more personal information to them to close it. I need to know what can be done. There are no phone numbers that I can contact them by. 

Please advise.
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I have an in-store card with Walmart and the payments are due on the XXXX day of every month. On XXXX/XXXX/2015 I made my third payment on the account inside of XXXX with cash in the morning. Later that day I checked my account and contacted a Walmart Representative in their card services department. I was told that my cash payment was on time and that no late fee would be added to my account. On XXXX/XXXX/2015 I checked my account and found that a {$25.00} late fee was applied to my account and an {$18.00} credit posted to the account had disappeared. That same day I contacted the Walmart card services department and spoke with XXXX male representatives who refused to remove the {$25.00} late fee and transfer me to a manager. XXXX Walmart reps argued that the {$25.00} late was justified even though I made the payment in time. I was very upset and stated that I thought this was a very dishonest business practice and threatened to cancel the card. In addition, I have proof that my payment was made on time. Since Walmart is refusing to remove the late fee and I am concerned that they will falsely report this information to the credit bureaus I have decided to write this agency to get the matter addressed.
Consumer complaint received 2016-08-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

I have never used XXXX. The debt was supposedly made for XXXX dollars in 2011 by my ex wife who denies using XXXX. The XXXX company is for kids and we did not utilyze their services at the time. I am not liable for this debt and my XXXX insurance XXXX XXXX did not receive a claim for this service.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (VA)

Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau report.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I was granted a forbearance of my student loan with Navient in XX/XX/2015 after receiving an email about my account being past due for XXXX, XXXX, XXXX, and XXXX of that same year. They had sent me an email to reply " yes '' to a forbearance and that is what I did. That email stated that this would bring my account current. 

My approval email stated my forbearance request was approved and that payments were to resume on XX/XX/2015. My credit reports from all 3 bureaus are still showing 90 and 120 days late for those 4 months. I would like these late payments deleted from all 3 reports because this is a violation as per the FTC Advisory Opinion on Section 623 ( a ) ( 2 ) of the FCRA. I have been in several forbearance periods on this same loan since then and the payment history IS being reported accurately on those so far.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (VA)

Paypal Credit ripped me off. Signed up for a credit account that was " No Payments and No interest on purchases for 6 months ''. I made a charge of {$1500.00}. Two months later, I purchased something for {$50.00}. I was charged interest on the {$50.00} charge. I found out after calling Paypal Credit that " if I read the fine print '', I would have seen that the " promotional '' 0 % was only for purchases {$99.00} and up. However, they did NOT make that clear when I made the {$50.00} purchase. If a credit card company is advertising " No Payments and No Interest for 6 months '', the assumption to any consumer is that is the case. As someone who has a stellar credit rating ( because I watch my fiances like a hawk ), this should not have gotten past me. So, I can only imagine consumers who do n't look as carefully getting ripped off by these crooks otherwise known as Paypal Credit.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. 

I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. 

How do I get them to resolve this? 

Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my account.
Consumer complaint received 2017-03-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (DC)

Paypal seized XXXX from my paypal account that was sent by XXXX XXXX. Originaly an instant transfer of XXXX was made leaving a balance of XXXX. 
When a dispute was opened up on an unrelated matter Paypal seized the XXXX without merit and refused to return the funds to the original owner. 
I want the XXXX returned to the original owner, XXXX XXXX, so he doesnt need to file a chargeback with his bank. 
You cant seize people 's money without due process and without cause
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

I signed up for an XXXX XXXX card, serviced by Synchrony Bank. I elected to receive electronic statements, and did not see my XXXX statement -- I did not make any XXXX purchases so I had no reason to suspect I had a balance ( I paid off my XXXX balance in full ). The XXXX balance was because of the annual XXXX XXXX fee, certainly a valid charge. 

My complaint is about the electronic statement they sent for XXXX ( which did include new purchases ) and receive XX/XX/XXXX. ( see attached ). No where does it mention ( 1 ) that the account is past due, as of XX/XX/XXXX, and ( 2 ) ~ {$30.00} of the balance is because of late fees/interest charges. I only became aware the account was past due via email message on XX/XX/XXXX and by text message on XX/XX/XXXX. 

I find this incredibly deceptive. I do note however that customer service agreed to reverse the late fee and interest charges on XX/XX/XXXX after I complained their practices were deceptive.
Consumer complaint received 2015-04-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (WA)

Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. 

In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. 
Thank you, XXXX XXXX
Consumer complaint received 2017-03-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Echelon Financial, Inc. (NJ)

Goldencreditscore.com and realtystore.com are both fraud companies. Seem to be playing with customer 's money!!! I was looking for rent to own properties and got a call from this website. They said if i pay {$1.00} they will send me details of few properties as per the details i gave. After paying this amount they vanish and start charging your card {$49.00} and {$49.00} from XXXX different website accounts. As soon as you notice and complain they dont try to justify but just cancel the service. THEY SEEM TO BE RUNNING BUSINESS BASED ON THE FACT THAT LOT OF PEOPLE DONT NOTICE AND ON THE FACT THAT THEY ALWAYS HAVE LOT OF MONEY OF CUSTOMERS IN FLOAT WHICH THEY CAN USE!!! PLEASE SHUT DOWN SUCH FRAUD COMPANIES & gt ; Golden Scores , LLC XXXX TN XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We closed on our house in XX/XX/XXXX and property taxes for that year were collected at closing. The original servicer/lender ( XXXX XXXX  ), per our closing agent cashed the check for the XX/XX/XXXX property taxes on XX/XX/XXXX. Our loan was subsequently service released a few months later to LoanCare, whom is now our current mortgage servicer. We received a delinquent XX/XX/XXXX property tax notice early XX/XX/XXXX of this year. We proceeded to email LoanCare on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return response. It appears per looking at our payment history that LoanCare disbursed payment in the amount of {$2500.00} to satisfy the delinquent XX/XX/XXXX property taxes, which the funds were previously sent and cashed by the original servicer back on XX/XX/XXXX. Essentially we have paid the XX/XX/XXXX property taxes twice with the advancement of payment by LoanCare. We had the understanding that as our current mortgage servicer, LoanCare would contact the original servicer on our behalf to resolve the matter. However, LoanCare just proceeded to advance payment, thus causing us to have a severely negative escrow balance. Our monthly mortgage payment will increase significantly when the next escrow analysis is performed. Please provide any assistance that you can.