vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Siggi LLC
State: PA

Complaint narrative:
I Have had several things added on my credit due to identity theft and this is one of them. I have tried to talk to this company and solve the problem with them, but there has been no budge. I did not open this account and feel that it is wrong that i continue to suffer for it. Please resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was promised 18 month 0 % interest financing, however, the company Barclaycard is charging me interest and refuses to correct or refund me for the interest they 've charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns has called me times a day for a week straight from different numbers trying to collect a dept i agreed to pay this past Friday. But now in at the point ive been harassed by them and dont believe i owe them anything now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently applied for a loan for a home to find out that there was a fraudulent pull on my credit from Walmart for a credit card. This inquiry is impacting my credit and needs to be removed. I was advised by their CS line that I needed to call XXXX. However they advised me that I needed to call Walmart. No help at all XXXX Need removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
GECRB/AMAZON PLCC has been reporting an account to which is NOT mine. Following it 's discovery I submitted a demand for validation of debt and following their failure to do so, I sent the a motion to bring complaint under XXXX XXXX XXXX XXXX for unfair and deceptive practices and acts, to that they have also failed to respond appropriately. The company has violated multiple State and Federal laws in regards to FACTA and FDCPA regulations and suggest strongly that they are held accountable for said actions and sited for all violations in accordance with Federal Statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
The company is calling before XXXX CST concerning, a past due payment that is not 30 days old. The company called on Sunday concerning the same payment, which was XXXX/XXXX/2016, this has gone to far. During the conversation the representative was demanding payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclaycard - MasterCardThey decided to close my credit card for lack inactivity without any notification. 

Letter mailed XX/XX/XXXX - according to them they mailed a letter notifying me that the account is closed. 

XXXX 2014 - Account was establishedI would have happily bought some toothpaste or soda can with their credit card to keep it active. However, they closed the account without any notification or communication. 
In my opinion, this is a denial of credit is illegal and a violation of Frank-Dodd Act. 
I would even argue this is racially motivated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank has been lowering the limits on all of my accounts that I have with them without notifying me. I find out about it when I view and pay my bills online. They hurt my credit by lowering my limits. My score drops and then they use the lowered score to drop my limits again. It 's a never ending cycle. It 's an unfair practice and illegal for them not to first notify me that they are lowering my limits. They say they have sent me notices but to this day XXXX/XXXX/2016 I have not received a single one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I 'm a victim of identity theft and a store credit card was open without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: NM

Complaint narrative:
XXXX CONNS IS NOT MY ACCOUNT ITS BEING REPORTED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...

Company response to consumer: Closed with monetary relief