davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (CA)

I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. 

Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. 

I have left messages for XXXX XXXX twice and received no return call. 

I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. 
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (AL)

In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal?
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclay Card closed my credit card accounts. I was NEVER late on even one payment. I NEVER defaulted on any amount owed with them ; I have paid them every cent that was owed and did it on-time or before it was due. For whatever reason, which they never gave me, they decided to close the accounts and take from me the rewards that were rightfully mine as they were earned under proper circumstances. Again, I was never late on a payment or missed one either. I 'm asking CFPB to help me get my rewards back.
Consumer complaint received 2016-01-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

Bought a lawnmower from Lowe 's zero interest for 6 months, received first bill and noticed it was to be sent to Lowe's/Synchrony bank in XXXX, FL so sent payment right away received second bill and sent it right away did not receive third bill and did not notice until I received a bill the next month and a {$25.00} service charge had been added did not receive a bill the next month which was XXXX but did get call XXXX XXXX from Synchrony ( a foreign person who was very hard for me to understand ) saying I was in arrears again and would be assessed another {$25.00} if I did not pay by credit card or at the local store that day or the next so told her I would. I did pay at the local Lowe 's the complete loan as can not afford to pay a {$25.00} service fee each month. Then I went online especially XXXX and found XXXX ratings on there with a XXXX star rating and most with same problem I have had with them. I think this company ( Synchrony ) of XXXX, FL needs to be looked into.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police  report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.
Consumer complaint received 2017-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (OH)

After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (MI)

In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MS)

As the result of frequent selling of the loans and changes in loan servicers, several of my student loans have unresolved inaccuracies on my credit reports. Please do not forward this to the Department of Education Ombudsman as they were not helpful on a previous complaint on this matter. Here are the details : 1. My XXXX account XXXX continues to inaccurately show as paid 60-days late without the requisite 30-days late payment notation the prior month ( see attached copies of credit report ). 
2. My ACS/XXXX accounts XXXX XXXX, XXXX XXXX and XXXX XXXX continue to inaccurately show as paid 60-days late without the requisite 30-days past due notation the prior month. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
3. My XXXX accounts XXXX, XXXX and XXXX continue to inaccurately show as paid 90-days late without the requisite XXXX and 60-days past due notations the prior months. Also, data is missing for XXXX of the XXXX reporting months on the XXXX accounts casting serious doubt on the accuracy of the data ( see attached copies of credit report ). 
4. Finally, no data in many reporting months is negatively affecting my ratio of number of late payments to number of on-time payments.
Consumer complaint received 2016-02-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (FL)

I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rose & Associates, LLC. (GA)

I received a call on XXXX/XXXX/15 from a Rose and Associates stating they were calling to verify employment. She then begin to tell me that my wages are going to be garnished due to an imaging report that was read by a XXXX XXXX ( whom I 've never seen ) almost XXXX years ago and he never received payment for it. I started asking questions b/c I was really confused and did not remember any such thing. She seem to get irritated when I started asking her questions about the original creditor and what steps I needed to take to get this figured out. She said to me, you should have paid this when the bill was due and I would n't have this problem. Well i think that was very harsh. What would she say if this debt was in fact an error and it was n't me? That would be falsely accusing me of not paying my bills which is HARASSMENT She then said that the balance was {$300.00} and now it has turned into {$3000.00} and if I do n't pay she will start taking money from my account and if I wanted to pay today she will drop it back down to {$300.00}. I advised her that I knew nothing about this debt and I was n't paying without validation. She was very rude and hung up on me. I called back and spoke with a XXXX whom was rude as well and asked could someone send me a validation of debt. He advised that the person that handles that was on a call and she would have to call me back. I never received a phone call back. I called today and spoke with a XXXX who said she was the general manager. I was trying to explain to her that i wanted a validation of debt and no one ever called my back and that I was hung up on previously. She then got mad and said that i was lying no one hung up on me. She also stated that I was being rude ( which is a lie because I have the call recorded ) I started asking her why she was so angry and she kept yelling in the phone and told me not to call her office back anymore. The only reason i called their office back in the first place was because I was told I would get a call back and did not. Everyone I have spoken with in this office was very unprofessional and rude. They are also not accredited with the XXXX. And on the XXXX website it states that this business is closed. I would also like to know if this collection agency is even licensed to collect in the state of XXXX since they are based out of XXXX. Something needs to be done about this office and the way they conduct business. As the consumer I tried doing my part by requesting a validation of debt. she also stated that it would take up to 30-60 days to send out the validation of debt and I said to her by law if a validation of debt is requested it has to be sent to the consumer and normally only takes XXXX days. She told me.. '' well by law I can do whatever I want to do ''. They are a shady business and I want no further connection with them. This woman called me out of my name and accused me of being rude to her and I wasnt.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Supreme Lending (TX)

As I was searching for mortgage options, I discovered XXXX, which is managed by Supreme Lending. After being contacted by XXXX XXXX out of Colorado, we talked and he told me that I would qualify for a home mortgage of up to {$150000.00}. The biggest question was " after deferment, how much would your student loan payment be? '' After getting the estimate from the generator on studentloans.gov, i gave him the approximate and he said it would be fine and I was credit worthy. Excitedly, I shopped around and found a house for {$130000.00} ( well below his recommended. After contacting him, he consistently told me he 'd get back to me to get more information, and often did not reach me for a week. After finally getting ahold off him, he asked for the student loan information and the number given after getting this years AGI was less than projected, which is good. However, he did not explain that since the loan was in deferment that they will count 1 % of the loan, which is substantial. He did not clarify this two months earlier when we were talking about this. After trying to talk to him and suggesting I just consolidate the loan, he just stated that I gave him wrong information and that he does n't get paid on loans he ca n't close and that I should find a bank in the area that will due it in a month. We were already discussing repairs and now I am out my earnest money because he does not communicate. Thanks Supreme Lending!
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (ND)

HH Greg via Synchrony Bank has issued store credit cards in my name that were fraudulently issued to someone else as store credit. HH Greg is the focus of this submission. Syncrony Bank has frozen the account and will be sending me information but this is a follow up to fully document the incident. I have not filed a loss as yet since the representative I spoke with assured me they would be clearing the account from my credit history. I first became aware of the fraud when I received a billing statement on XXXX XXXX, 2015 and called them immediately. I am not claiming a loss on this submission giving Syncrony Bank/Financial Services the opportunity to respond.