vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rodenburg LLP
State: MN

Complaint narrative:
On XXXX/XXXX/16 I received a letter for the exemption I faxed a letter showing that the last time I received assistance was XXXX/XXXX/2016 which was within 6 months from receiving this letter I faxed it back to them on XXXX/XXXX/16 along with a letter that my children receive free lunches. They told me that the exemption was not valid even though it was within 6 months and that the free lunches is benefit for my children. I told them that I was applying for assistance again and then sent them an email that I received on XXXX/XXXX/2016 that I was approved again for assistance. They said the email did not work on XXXX/XXXX/16 I sent them the approval letter that I received that the first payment for assistance was on XXXX/XXXX/16. In the meantime my check has been garnished knowing that I have received assistance and exemption and that I will be receiving assistance in XXXX. They are telling me the garnishment will continue until XXXX/XXXX/16 even thought the exemption states within 6 months and currently receiving which I am just because the first payment for the new year does not start until the end of the month. The collection person also has notes that she talked to me and called me and she never contacted me. In 2 weeks she never returned my calls and I called at least 5 times a day and never talked to her or anyone else but left messaged. Today XXXX they finally let me talk to a supervisor and she told me again the exemption is not valid even thought it starts in the month and is current. 
She said garnishment will not stop until XXXX. The exemption letter that is sent states currently receiving or within 6 months months. The exemption is currently receiving in the month of XXXX As well as other collection places take the kids getting free lunch as an exemption as well and not sure why they will not as this is assistance for the family based on my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been fighting with Synchrony Bank with credit card accounts they said I open on line. When I asked them to please validate that information all they show me are bills with my name attached to them an a online application with my social and address but not the correct phone number. Also what I told them is when I apply for credit I always either use my middle name or middle initial because within XXXX miles of where I live there are several individuals with the same name as myself. The company refuse to remove anything and has me liable for those accounts, however I receive in the mail today a letter from them saying they will delete the credit inquiry that I never made from my credit file. What can I do to get not just the credit inquiry removed but the unauthorized accounts in my name removed also?

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 2016-11-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.

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 2016-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.

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 2016-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX 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 explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I applied for a XXXX XXXX card from Barclays in XXXX of XXXX. There was a Welcome Bonus of XXXX points after paying the annual fee. I paid the annual fee of {$89.00} in my first billing cycle but never received the points as promised ( exhibit XXXX ). Shortly after I was approved, Barclays converted the account to an XXXX XXXX XXXX XXXX card, due to the XXXX XXXX merger. Because the old XXXX XXXX product was no longer being offered, I could not look up online to confirm what the requirements were to get the bonus. From my understanding, I met them by paying my annual fee. After I got my new XXXX card I used it in XXXX of XXXX, hoping that would trigger my XXXX points I never received ( exhibit B ). 

By XXXX I used Barclay 's secure message service on their website to submit a complaint and ask where my points were ( exhibit C ). I was told I did n't meet the requirements ( even though I paid my annual fee ) because I did n't make a purchase. I did n't ever see that in the terms and conditions when I applied, and again, could n't be found online due to the original XXXX XXXX product being discontinued. 

Hoping for a better resolution from Barclay 's XXXX team I contacted Barclay 's on a secure XXXX message to ask where my points were ( exhibit D ). I was promised I would see the points on my next statement. I was not notified that I failed to meet the requirements. 

My next statement would be XXXX, I did n't receive a statement that month. XXXX was the last statement I ever received in XXXX ( exhibit E ). I did n't receive a statement until XXXX of XXXX. There was nothing on the statement. Nothing due, no rewards points, no balance, nothing ( exhibit F ). 

Fed up and frustrated with Barclay 's I forgot about the account. 

I 'm now just realizing I 've been charged an annual fee for my second year, and two late payments. 

If Barclay 's will not keep their word of honoring the original agreement of rewarding me XXXX points upon paying my first annual fee in XXXX, and will not honor their promise to reward me my points when I asked for them in XXXX, I ca n't be expected to pay an annual fee on this account. 

I 've since been charged two {$25.00} late payment fees because I have n't paid off the 2nd year annual fee on time. I will not be paying the annual fee, or the late payment fees, as Barclay 's has broken our agreement. 

{$89.00} - 1st annual fee ( paid in full - Exhibit A ) {$89.00} - 2nd annual fee ( only paid {$25.00} in XXXX - Exhibit G, and {$51.00} in XXXX - Exhibit H - of the fees before realizing Barclay 's never honored agreement )

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 2017-02-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My identity was stolen XXXX. Credit cards and accounts were opened in the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and charges were incurred on many different cards and fraudulent checks were written in person at our local bank. I was able to finally resolve the majority of these fraudulent actions by XXXX, XXXX. However, despite notifying Synchrony Bank ( Banana Republic ) immediately, instead of removing the charges, they appear to have transferred the fraud charges from several accounts, also in my name, with the fraud perpetrators so that now I have XXXX ( possibly XXXX ) Banana Republic accounts with most of the balance remaining from the original fraud in XXXX. Every time I called, they said that they had " taken care of everything '' and that it might take 90 days to complete the " investigation '' and I would receive a new card in the mail, but it would arrive with the Identity thieves ' name on it! Finally, they said that it was too long ago and I would have to " order the old bills '' because they could n't see the charges " on their system '' at Synchrony. I have not used the card since XXXX, all charges made were fraudulent.

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 2016-01-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been a BP Visa credit card holder since XX/XX/XXXX. This card was a fixed rate, 8.49 % card on all purchases. Around the credit bubble in XX/XX/XXXX-XX/XX/XXXX, I received a notice from BP that gave me XXXX options : 1 ) maintain the low interest rate but now have a minimum payment equal to 5 % of the balance ; or, 2 ) continue with the 2 % of the balance as a minimum, but the interest rate would be variable - and at that time around 14.9 %. I opted for the former, even though at times that made my minimum around {$1300.00} per month. That was not a concern for me as I preferred having all that additional money applied to the principal. And, if you reviewed my history, I have never had a late payment in these past 21 years, even when that monthly payment was at or greater that $ XXXX/month. In XX/XX/XXXX, Synchrony Bank assumed ownership of my account. And, although I am sure I was provided with a communication, it was likely hidden or concealed in a way that I overlooked a drastic and insulting increase. Although all past purchases stayed at the agreed upon rate, all new purchases were 26.99 %! This, despite any delinquencies on my part and with me having no choice in the change in bank from the one I signed on with and whom provided me with a fixed interest percentage to the one now ( Synchrony Bank ) that is obviously taking advantage of some loophole to take advantage of an unknowing and unwitting customer. I have estimated the money lost which is actually a guess of what the increased interest has caused in the form of lesser amounts amounts to principal. Of course, with an ongoing balance this amount will accrue at an astronomical rate compared to my 8.49 % rate that I signed up for and have had in place since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I went to buy pants at the store and the clerk suggested if I sign up for a member card, I get a discount right away. At no point was I notified this was a credit card and all terms used to refer to this card made it sound like a free membership card. At the end when I found out that it was in fact a credit card, the clerk claimed it was too late and ca n't back out. He also said " it wo n't hurt your credit at all '', which is a flat out lie. On top of that, the discount was not applied at all to the purchase, in spite of signing up for the card. As the clerk was packaging up the pants and the card, his manager happened to be passing by and gave him a " congratulations on the Gap card ''. The way it was said was similar to a " congratulations selling the lemon car ''. Seemed like this was a shady type of car dealership the way I was handled, rather than a respectable clothing store I assumed it was.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding. 
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.

Company response to consumer: Closed