davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL (CA)

They are unwilling to assist in a dispute on my Care Credit credit card. The dental provider overcharged me, synchrony said they researched it and are siding with the provider. When i asked why it 's because they have to take into consideration the provider 's claim. But not mine? just because they 're a business? this does not mean they are incapable of scams, which I explained to synchrony. I also, several times, explained that my insurance paid they 're part after i paid what was an estimation during my initial consultation. The estimation turned out to be inflated, and was actually more than my contracted rate so i am due a refund. Synchrony told m several times to either take this up with my insurance or small claims. Why is my insurance going to pay me the difference? the credit card needs to take this off of my account and deduct it from payments to the provider! I also pointed out that the written statement from the provider actually proves my point that I am owed a refund, as it says the amount due by me is less then what I was charged. My billing ledger from the provider was doctored to show a zero balance by contradicting what they said in their statement to synchrony. When i ask about this i am told they go based on the ledger not the statement. So the fact that it does n't add up did n't raise red flags to at the very least keep the investigation going until it can be clarified? Nope they just find it easier to make me feel like I 'm the scammer. No help, no empathy, no apologies, just constant interruptions and frustrated responses were all I got from Synchrony. They also say I signed a contract, which it was not..its a treatment plan ( estimate ) that clearly says the charges may change due to unforeseen circumstances and this is the charge AS OF NOW! Come to find out, many other consumers have dealt with similar and many other various issues from Synchrony and Care Credit.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (DC)

I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute. 

It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TN)

I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (WI)

In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (DC)

XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CT)

I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (FL)

This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

My previous mortgage company CitiMortgage sent me a XXXX from my foreclosure in XXXX four years after the fact in XXXX, requiring me to re-file my income taxes. In the letter from CitiMortgage it stated if I had to re-file my taxes they would reimburse the filing fees, which they have still not done to date! I had mailed them the documents which they claimed they did n't receive then I faxed them and they received them but after numerous calls to customer support, they continue to forward my claim to other individuals or departments with still no explanation or reimbursement for their mistake.
Consumer complaint received 2016-05-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, 2016 I have disputed Citi Bank 's response which never addressed customer 's complaint at all. It 's absolutely NOT possible to continue my banking experience with such type of bank who has numerous prohibited banking practice. I am asking this bank to provide me their CEO 's name and address, so I can take court action against this bank who took my savings away. Due to the different issues I complained about ( see attached evidence ) I am asking this bank to pay all my losses : promotional bonus at least {$900.00}, thank you points XXXX, my own money losses {$280.00} due to illegal charge for XXXX balance account to be closed, refuse to close the accounts when customer asked this bank 3 times via secured messages, fail to provide any notice regarding monthly service charge, mistreatment suffering, fraudulent account opening, miserable branch experience, calling customer for unwanted product, intentional harassment, calling customer from fraud department when no fraud happened, etc. in the past 8 months, customer is asking this bank to pay XXXX pain, suffering due to the above accused banking practice. Customer further ask this bank to pay all owed debts so I can end this miserable banking experience immediately. I have account with NO monthly fee charge, why do I have to bank with CITI to lose money {$280.00}.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (DE)

I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (WA)

Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and unethical.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX of 2016, my husband and I went to Sears to purchase patio furniture set. When we went to the checkout they said we could open a Sears MasterCard with no interest up to a year. They took my driver 's license and asked for my contact information, my mailing address and seemed to input it into the computer system. We received the patio furniture and waited for the card and the card never arrived. When I was speaking with my family hmy brother said he had received a Sears card at my permanent address my parents ' house. He said he called and told him he never opened a card and there was nothing they could do and there was a charge of the patio furniture that we had purchased. He destroyed the card and gave the mail out information for my parents to send to me. I called the activation number for the card and I spoke with a Sears customer service representative for the card she initially asked for my brothers social security number which I do not have and thought that was strange and inappropriate because that is highly sensitive information. Then she asked for my social security number which she said she needed and I gave it to her over the phone. She then asked to put me on a brief hold to try and resolve the matter. When she came back she stated they needed a physical copy of the social security card and wanted it faxed to them. I told her that 's highly sensitive and I am not going to send that through a fax that is not protected. So she said there was nothing they could do on the mix up of the account because I was not willing to do that. I asked to speak with someone else and she said no one was available. She said they would contact me in several days but no one did. I filed a report with the federal trade commission. At that time, XXXX XXXX from Sears Credit Card assured me she had closed the account and all we had to do was pay the balance but even though they cashed our check and had the gall to charge a late fee on an allegedly closed account! She lied about the account being closed and about any late fees, and Sears lied about the account being interest free because they instantly penalizdd us for not paying on time even though the account was n't opened appropriately and even though XXXX assured us that is would not be an issue.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (TX)

We have a cc thru Synchrony Bank for a XXXX XXXX acct. They offer 0 % fin. ch for 18 mths. I was paying {$180.00} instead of {$110.00} per mth. in case of unexpected future bills. In XXXX I divided the remaining 9 mths up and changed my automatic payments to {$79.00}. Shortly thereafter I rec 'd a late fee of {$27.00} ( which they did refund ). I was told {$110.00} was due each month and that SB does not change payment amounts to reflect over-payments. I now will be paying it off 3 mths early which is fine, but does not allow me the full 18 months promised. Every other bank I have dealt with has lowered the payments due to reflect payments made ( ie {$110.00} due in XXXX, {$180.00} payment made, {$61.00} due in XXXX ). Customers should not be fined for expecting to receive the payoff time allotted.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (ME)

I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TN)

I have three private loans with XXXX XXXX totaling to about 84 thousand dollars. The original interest rate were about 8-9 % but recent all of my loans have been bumped up to 12 %. That high of a interest rate is criminal. Because of this I have had to drop out of college and work to pay the loan off so because the interest alone would accumulate to an amount that would be un-payable in the future. My dad took a loan out on his credit card of the amount of {$28000.00} which he had the credit card company ( XXXX ) pay directly to XXXX XXXX. XXXX sent the amount on XX/XX/2018, however XXXX XXXX insists they haven't received it yet. Now we are collecting interest on two loans and XXXX XXXX does not care about helping us. Please help me and my dad, we are desperate.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..