vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... 

Is this legal?

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 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: VA

Complaint narrative:
USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form customers.

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 2016-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.

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 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.

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 2016-01-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a JC Penner card with Sycrony Bank. Approximately a year ago l, fell behind on payments due to unemployment. XX/XX/2016, I paid a large sum to bring the card current. I continued to make monthly payments of the minimum until XX/XX/2016. I attempted to make a payment online and was unable.to do so as a meesage prompted stating I needed to contact XXXX. I called and the representative told me my account was closed due to non payment and the payment was noted on my account as settled. She told me she did n't have a lost of my transactions and asked about my last payment. I told her it was XX/XX/2016. She asked of I could verify it. I told her I received confirmation emails. She said there was no record and my account stated paid and settled. I told her I was not behind, and I 'd paid a significant amount of money, approximately {$500.00}, to bring the account current. More importantly, I would never agree to settle an account for a negative reporting on my credit report. She told me she notate a need for an investigation of my account. She told me to call back in 48 hours. l asked for a.return phome call or documentation be sent in the mail of the inquiry. She told me she could not make oitgoing calls or send notice in the mail. I called back 72 hours later, to allot ample time for the investigation, and the new representatvie shated the same information. My account was closed for non payment and noted as settled. This concerns me because I was not behind on payments. I did not agree to settle, and I spent approximately {$500.00} in XX/XX/XXXX to bring the account current.

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 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with non-monetary relief