vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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: Kingston Data & Credit International Inc.
State: VA

Complaint narrative:
XXXX membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Call constantly my family and me and makes threats

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Paypal opened a credit card account without my permission and stated such on a call to custonmer Service

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 2015-10-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZARVAD III S.A.
State: RI

Complaint narrative:
This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like 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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.

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 2016-02-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I am a patient of a XXXX in XXXX Oregon and needed some XXXX performed. The XXXX provided me with a credit application and I was approved. I did not know that it was an application for an outside agency called CareCredit / Synchrony Bank, but rather, I was under the impression that it was the XXXX office line of credit not a credit organization or banking institution. I was issued credit and never was informed that it was through a bank or credit agency. I have been paying payments in the amount of {$85.00} up to {$100.00} at the rate of 26.99 % interest in the unpaid principal. Of my payment of {$85.00} or {$100.00} only {$3.00} is being applied to the principal. At the rate of 26.99 % interest I will never get this bill paid. I feel that I was misinformed by the XXXX office that I was applying to an outside agency for credit, and then once the XXXX worked on me I have this unpaid balance on credit that will never be paid off in my lifetime. I believe this is unfair business practice by the XXXX and unfair business practice by CareCredit/Synchrony Bank for over charging of interest on the unpaid balance.

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 2016-01-18 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX/XXXX/XXXX we made a purchase of {$3000.00} with a promotional credit offer of 18 months @ 0 % interest. I was able to make all the payments on time and in excess of the minimum payment due of {$160.00}. By XXXX XXXX I had a balance of {$960.00} with 10 months to go on the 0 % offer. On XXXX/XXXX/XXXX I called Synchrony Bank to reduce the minimum payment to {$100.00}. The first agent was un helpful. I waited XXXX minutes to speak to XXXX XXXX XXXX XXXX, who refused to do anything. Her supervisor was unavailable. I asked how I could register a complaint. She said she could submit XXXX on my behalf or I could mail XXXX in to their corporate office. I told her to submit XXXX and give me the adress so that I could mail XXXX in as well. I also told her I would be submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Order # XXXX was supposedly delivered on or around XXXX XXXX, tracking info shows it was signed by someone who forged my signature, a copy is enclosed. XXXX XXXX was a Monday, I was not at home on this day and the signature is forged as it is not mine, not even fully signed. The signature is not my full name, you can see from the copy provided my USPS. An A-Z claim was filed with Amazon, however, it was closed a day after opening stating the item was signed for by myself and would not investigate further. A dispute was made with Amazon credit as well, however, it might have been closed as well and the reason for this complaint. The total charge for the order is XXXX, please advise Synchrony Bank I need this item disputed and or refunded, if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.

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: CA

Complaint narrative:
Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account. 
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement. 

This letter is to request that you close this account and remove any reference to this account from my credit report. 

Background : I received your paper statement in the mail today, Monday XXXX XXXX. 
The statement did not show the charges, which purported to be from a prior month. 
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases. 
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up. 
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there. 
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today. 

Once again : I ask that you close this account and remove all reference to it from my credit report. 

Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :

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 2016-08-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.

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 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been receiving calls and collection statements from XXXX XXXX XXXX. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: NH

Complaint narrative:
I originally financed something back in 2009 with Conn 's appliances in XXXX, Texas. When I moved out of state and then had an issue with the product they refused to honor the store bought warranty. They instead deferred me to the manufacturer. 

The manufacturer ( XXXX ) then seized the defective product after recognizing it was fully defective. Since I was no longer in possession of their property any longer I was under no legal obligation to continue paying. However I believe I did pay XXXX more note but that was n't good enough for them. They demanded I turn over the new laptop XXXX custom built for me and the tablet I was also not in possession of at the time as it ( the tablet ) had been bamboozled away from me while in the midst of a XXXX 

They were provided with the name and address of who was in possession of it but refused to go and fetch it. They have now over inflated the amount owed on the account to pad their tax/financial records. 

According to the Texas statute of limitations of debt collections they had a limit of four ( 4 ) years and then to cease any and all collections against my credit in general which they are still attempting to do under the federal guidelines which is seven ( 7 ) years. The limit in New Hampshire where I am now a resident is three ( 3 ) years maximum on installment accounts credit cards etc. 

They are committing credit reporting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.

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 2016-11-16 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: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
Debt was covered by insurance company

Company response to consumer: Closed with explanation