davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (AZ)

I was approved for Synchrony Bank Credit Card through XXXX, and i purchased some furniture items from XXXX on XX/XX/XXXX, to be delivered in XX/XX/XXXX, and called them on XX/XX/XXXX to cancel items worth {$480.00} way before delivery. Fast forward to XX/XX/XXXX, I made two payments in the amount of {$65.00} and {$160.00} and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for {$1000.00}. They told me I had to go into XXXX store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony, we both got nowhere. XXXX has the information of me calling, but Synchrony is refusing to credit back {$480.00} back to my account evendors though I never took possession of those items. I spent 3 hours at XXXX with the Supervisor as she called and I called, getting transferred 8 times to different people, even the Dispute Dept did n't assist either one of us. XXXX went far and beyond to try to get this resolved with Synchrony Bank to no avail. I am so disgusted and disappointed with Synchrony Bank and I can only imagine how many people they 've done this to, it 's the principient of the fact and Synchrony Bank is taking advantage of us consumers, and this is totally WRONG!
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down XXXX points ) because the balance was instantly above my credit line. 
I feel it is because they do not have the capital to lend anymore ... is that legal.?
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. XXXX XXXX
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (VA)

I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least {$150.00}. But I did not get the reward, despite spending more than {$250.00}. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MT)

Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (AZ)

On or about XX/XX/XXXX, I called the Chase Fraud Department for an update of my pending fraud case involving my Chase Freedom credit card account. 
The Chase officer had declared telephonically that all XXXX charges were determined as Unauthorized and/or Fraudulent, and that these charges were going to be credited back to my account. Moreover, and a check for over payment from Chase would be mailed. 
The Chase officer stated all charges identified as " XXXX '' ( XXXX ) dating back to XX/XX/XXXX were determined to be unauthorized charges by XXXX. I was then instructed to discontinue sending monthly payments to Chase. 
A week later, I received a Chase check for {$840.00} for over payment on a balance riddled with fraud by XXXX. I was delighted the case was finally settled after 5 months. In addition, I received a Chase statement clearly indicating the credits and payments no longer due. 
However, an unexpected call from a unidentified Chase financial officer about a week later was received about XXXX. My husband and I listened in shock and disbelief as the Chase financial officer stated " I see no fraud '', and proclaimed all previously dismissed XXXX charges in question are now resurrected, and that I have to pay the balance. 

When I told the Chase financial officer the case was settled a week ago, and that I a check from Chase for {$840.00} has been proffered, the officer seemed stunned and at a loss for words ; asking who, what, and when? 
Moments later, she alluded that the settlement by the other Chase official did not matter, whereby, declaring my settlement null and void. In that, I will be receiving a revised Chase bill resurrecting all previously determined unauthorized charges. I retained as evidence my Chase statement showing fraud charges had all been credited back to me and payments to Chase no longer required. 

To my disbelief, the Chase financial officer had simply, in matters of a few minutes, usurped a competent Chase official who credited my account and settled the case after five ( 5 ) months of investigation. Presently, I am saddled with debt that had already been identified as fraud and had been forgiven. 

I respectfully request that the CFPB intervenes and upholds my settlement regarding my fraud case involving XXXX. The evidence shall show the Chase financial official in question, had unnecessarily intervened striking down my settlement, and clearly demonstrating a questionable business practice that would be appalling by most or all consumers, as it clearly opposes negotiating in Good Faith and applicable laws protecting consumers from frivolous and outlandish business practices motivated by self-serving needs based upon a whim.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.
Consumer complaint received 2015-08-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I was a XXXX XXXX Credit card customer since 2006. I have never for the history of the card ever had a late payment on this account. XXXX apparently no longer handles my XXXX card which is now serviced XXXX XXXX signature credit card services. This new firm did not send me any notification of the change in providers. I was not notified of any outstanding or delinquent balance on my account. The only reason I discovered this outstanding balance was I registered for my free credit monitoring due the XXXX account hack where I discovered the outstanding balance of {$43.00}. As a result of not notifying about this balance my credit report has been dramatically impacted due to this delinquent balance. Upon finding all this out the balance was paid for in full and the account was closed.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (CA)

The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.
Consumer complaint received 2016-11-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

I have received XXXX phone calls today, XXXX calls yesterday and two calls a day on a {$92.00} debt that I owe. They do not leave voicemails or really have any information they can give me on the dates and time i owe the debt. They say it is for XXXX XXXX. They are calling me at work and I 've been reprimanded for it.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

I recently pulled my credit report and my loans were current paying as agreed with no notification that I had come out of in-school deferment. I was contacted in XXXX of XXXX stating that I was in fact 120 days past due. I explained to the rep that I in fact was not 120 days past due. I immediately started to calculate from the ending semester of XXXX XXXX and I would have been reaching to my 30 day mark. I was told that until I can obtain a letter from the second school I was attending with verification of attendance I could apply for their indigency program ( unemployment deferment ) as long as I met the criteria, which I did and they would backdate and remove any missed payments and bring my account current. She also stated when I started school I can then have the school to request an inschool deferment. Well I have spoken with 5 reps since then. I was originally told I was 120 days past due and have been told 5 different things as to the time frame I am past due, I did not submit the correct documentation and was told 5 different things. Each time being patient to fix whats now effecting me in a horrible way. After submitting the documents they did push my due date out but did not correct the past due amount on my credit and to me that 's an issue. After submitting filling out what 's required that misinformation has been given is n't my faulat and in no way should be reflected on me, yet it is. I 'm still being told that the information I submitted was n't good enough and to resend information. After speaking to the manager who then tried to use my statement as if I stated that I did n't want to go to school and probably because the school was right. My reasoning was because I no longer had transportation and had to pay someone that I could n't afford to do to take me to the school who would have to drive XXXX hours to pick me up and an additional XXXX minutes to take me to the school, pay parking, etc. Even after explaining my situation and although I was given several stories including submitting the indigency application and they will backdate it to correct the issue. I explained that I only called back because I now have received 5 now 6 stories and was being told that a rep put in notes that I stated something that was in fact false. The manager asked me if I was done. I have never had to ask for the program before and I have never requested anything from them. The one time that I submit what was told I needed to submit to rectify the situation I am being told by the manager I do this often. When in fact I have never had to deal with them personally but once 5 years ago and it still shows on my credit as past due after being told then they would fix the issue other wise the school I have attended has always notified them I was in school. They were rude, liars, and falsifying information without 1 notice from them.
Consumer complaint received 2016-02-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail. 

This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork. 

I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ... 

ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. 


( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.
Consumer complaint received 2015-08-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Delray Capital, LLC (AZ)

XXXX XXXX stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on XXXX call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The first representative was very rude and harassing. I felt very worried about how I was being treated. It was the first time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (FL)

I applied for loan to purchase a home from a mortgage company calls : XXXX. I submitted all the documents and information that they requested from me and my wife to apply for this loan. All the info. and docs. submitted to them by us were 100 % true and accurate. They approved me for a loan and provided me with the pre-approval letter, and they told me go a head and shop for a home. I hired a realtor and we found a house that we liked it and fit our budget. We met the realtor in the dream home to sing the papers and give him the certify check for the title meanwhile, my XXXX children planning how to furnish their room, at this memorable moment, I received a phone call from the company " XXXX '' telling us sorry we can not have a ( FHA ) loan until XXXX XXXX 2015. It is hard to describe the shock especially, in my wife. Those people they create a fake joy for people and take it from them by a just tiny word : sorry. I believe this is so wrong and needs to stop immediately.
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I made a payment through my citi back checking by online bill pay for {$200.00} to costco credit card by citi bank on XXXX/XXXX/16. The money was taken out from my checking on XXXX/XXXX/16. But costco credit card never applies the payment to my credit card account. I called the first time around XXXX/XXXX/16. I was told payment was received by costco credit card, but did not know why it was not posted to my account. I was told it would take 5 days to post to my account. But a week passed, nothing was corrected. I called again around XXXX/XXXX/16. I was told it would take 14 days for the payment to posted to my account. Now it is XXXX/XXXX/16, the payments i made after the {$200.00} first payment, posted to my account very timely. Just the first payment of {$200.00} still not posted and interest was charged to my account. I am so frustrated and do n't know what else I can do instead of filing a complain.
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

It seems like my private student loan interest rate goes up every month or every other month. I have been repaying it on time and even additional principle payments to pay it off faster. I would like you to check why the interest rate keeps climbing for no reason at all. I get letters often that the interest rate went up for no reason. I 'm wondering if this is legal? I am also wondering how I can get them to stop increasing my interest rate so often. It started at 4 % and is up to 5 % in less than a year. Thank you.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

My Lowes Consumer credit card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account which was done on XXXX, there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my account XXXX/XXXX/2016 after they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (VA)

As part of my USAirways Barclaycard account, I was eligible to receive elite status qualifying miles on my US Airways frequent flyer account should I reach an annual spending level of greater than {$40000.00}. In XXXX and XXXX, I received those miles based on achieving the spending level threshold in the prior year. The mileage posting usually occurred during the XXXX period in the year subsequent to achieving the spending threshold. I once again exceeded the spending level during XXXX, but as of this date have not received the elite mileage status posted to my US Airways account. As the merger between US Airways and XXXX XXXX has now moved forward to include the frequent flyer programs, I have made inquiries to both airlines in search of a satisfactory resolution. While each have pursued the research associated with elite mile postings, I have not heard back from either airline and not received confirmation from Barclaycard to confirm that they have taken the steps necessary to trigger the benefit that results from owning their credit card.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (VT)

I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with this card.
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.