vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit System represented XXXX XXXX XXXX for a debt owed in the amount of XXXX. The debt was PAID IN FULL with the agreement of being deleted from my credit report in which however upon checking my XXXX credit report it is currently still showing. After making payment in FULL they faxed me a letter of receipt but failed to remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: HI

Complaint narrative:
FOX COllections keeps trying to collect on a debt for XXXX Hospital and has reported it on my XXXX credit report repeatedly. I am XXXX Army and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities XX/XX/XXXX, XXXX Hospital 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX Fox reopened the same collection on all XXXX of my credit reports under a XXXX date. I disputed them again and all but XXXX has removed them from my report. I am XXXX army and have been covered by XXXX since XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE
State: AR

Complaint narrative:
I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
do not know why this is on my cr report, do not know this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Hi, XXXX of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around {$1900.00} as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
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.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
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.

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 2016-05-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXX during the Holiday season Walmart approved me for a credit card without any income verification. Since then I have paid my account on time and paid off the entire balance twice. In XXXX XXXX I actually paid my account twice XX/XX/XXXX and XX/XX/XXXX although payment was due on XXXX XXXX which was a Sunday. In XX/XX/XXXX I was charged a late fee but I was given credit on XXXX/XXXX/XXXX. In XXXX my credit limit was decreased to {$400.00} without any justification, I called customer service to dispute the matter and after verifying my net income, Walmart declined to increase my limit again to {$500.00}. XX/XX/XXXX XXXX increased my credit limit to {$1000.00} because I 'm a good customer. I have been a good customer to Walmart also. Since obtaining the Walmart credit card in XXXX XXXX, I have actually lowered my debts and increased my credit score. Walmart reduced my credit limit unfairly. Walmart is using deceptive practices in providing quick credit approvals then re-tracking themselves after 6 months of paid interest at 23 %. The approval in XX/XX/XXXX at the {$500.00} limit was based solely on my zip code, nothing else was asked.

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: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed up for an account and added automated payments. The payments I setup were double the minimum amount. I have only received XXXX emails from this company since signing up but the payment continued to come out of my account. last week I received a email stating I owned over {$2000.00}. After doing my research I found out my promo was up in XXXX with less than {$500.00} left to payout. f I had not received anything from them until now. I called to try to get this straighten out and the customer service agent we rude and dismissive however they did inform me that another {$1700.00} was added to my {$500.00} and there was no way to go back and pay of the amount even though I had not been receiving any statements to know it had run out. I researched further only to find that this company is know for these types of antics. I have tried to work this out with XXXX different reps from this company and all of them were either rude or did n't care to help. There has to be some law against what they are doing to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Made payment to GE/XXXX/Synchrony Bank ahead of due date.  Due date was XX/XX/XXXX for $XXXX. Paid online $XXXX on XX/XX/XXXX. Received an email stating no payment received (XX/XX/XXXX.) Verified immediately with payment confirmation (XX/XX/XXXX), my bank (XX/XX/XXXX) and account online. Payment was received and processed.  I called Synchrony Bank (XX/XX/XXXX @ XXXX est.) Spoke with representative that could not help, except to remove late fee. Asked XXXX for manager. Spoke with Account Manager, XXXX (ID #:XXXX on XX/XX/XXXX @ XXXX est.) She said the account would be credited the late fee bringing it from past due amount of $XXXX down to $XXXX.  I stated, "How is that possible?" I only owe $XXXX for XX/XX/XXXX. She said I had to pay the late fee of $XXXX. It was in the XX/XX/XXXX Credit Card Laws. I stated, "You are penalizing a customer that pays ahead of time $XXXX." She said, "You have to pay it because you didn't wait for us to issue a statement." I replied, "How can you justify that? If you can, I'll pay it but you can't!" She said, "She has to do it with her credit cards so it's just the laws." I said, "Okay, I'll contact the Consumer Agency and see if that is correct because this is wrong."  We disconnected the call and I contacted FCPB. I spoke with XXXX (ID#XXXX.) She looked up the laws and could not find in the XX/XX/XXXX laws what XXXX was talking about. She offered to take my complaint but I chose online so I could attach the documents. Upon further research, I see that statements are generated on the XXXX. Payment was made on XXXX and received by them on the XXXX. Still, it is not right that I pay a penalty for paying the day they issue statements and they get their money the next day. Payment site also states: Please make payment by XXXX It does not stop you from paying before they issue a statement. This is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Access Receivables of NC Inc.
State: WA

Complaint narrative:
I never had the chance to find out what this debt was. 

Access Receivables purposefully sent my debt to an address I did n't live, and even worse when they marked for collection for XXXX and again in XXXX. 

The only reason I knew this is because I pulled my credit report through the XXXX contracting bureaus. 

They 're playing with Statute of Limitations of my debt, and I 'm really frustrated with their illegal practices. 

I lost XXXX points of my credit all of a sudden, because of them. I need it back.

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 2015-11-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Getting 6 or more phone calls from Synchrony bank at all hours. From XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got a phone call from XXXX round lp regarding my debt to Synchrony bank FKA GE capital. when I asked for original debtor information in writing I was told they would not provide that. Now they have turned me over to an attorney for lawsuit. And continue to harass me about payment, up to and including threatening myself. I wish to have my total debt amount in writing so I can make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is with Synchrony Bank and their Walmart credit card services. I had not received a billing statement yet, but I had wanted to start making payments, so I called the phone number on the back of the card. I was told I could pay that day, that my payment due date would be the XXXX of every month and that my minimum payment would be {$25.00}. I made my payment for that billing cycle on XXXX XXXX for {$26.00}. For the last week and a half, I have been getting constant phone calls informing me that I never paid my bill. I had posted my payment online on XXXX XXXX and the money was removed from my account XXXX XXXX. The first person I spoke to about this incident informed me that I had posted a payment on XXXX XXXX but that it never went through. I have iron clad bank statement proof that it was removed from my account for " Walmart Card Services. '' After numerous confusing phone calls to Synchrony, I was informed that I made my payment too early and therefore, it did not count towards that particular statement. I am being charged a late fee, plus a back payment, plus another late fee and a negative impact on my credit report. Out of all of that, they only agreed to remove XXXX late fee, when there should be no late fees and no extra payments needed. No one should be penalized for making a payment too early and that is exactly what is being done. I doubt that I am the first person to experience something so absolutely ridiculous, but I never the less, feel that this should be brought to your attention. This is a blatant example of how hard working, honest citizens end up with nothing. I want the late fees removed. I want the negative impact this has made on my credit report righted, and above all else, I want this to never happen to anyone else, ever. How is it legal to punish individuals for repaying a portion of debt too early? If this is legal, I would like to know under what statutes of law immediately. Synchrony and Walmart should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go 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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.

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