vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Dealer Funding, LLC
State: TX

Complaint narrative:
Dealer Funding repossed my car today, XXXX/XXXX/15 without sending me a notice to cure my debt. I was unaware that they were coming to take my car or that they thought I was behind as they say I am. I have been making payments, the last one made was in XX/XX/XXXX but they claim that I have not paid a payment for four months which is not true and I have proof. When I made my last payment, it reflected my balance and with the payment I made, it brought the balance down under {$1000.00}. I lost my job and without a car I can not obtain a new one. When I called I was told my car was out for repo since XX/XX/XXXX but I had since made a payments that brought my balance down, the last one being in XX/XX/XXXX and i never received a notice to cure. I spoke to XXXX who said they had been looking for me for four months but I never received notice and my partial payments have been accepted ; they have sent me statements but no notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am getting repeated calls from Synchrony Bank ( SP?, phone number XXXX ), regarding an Amazon store card. I do not have any Amazon credit card, I believe the calls are meant for the last person to have my phone number ( I often get calls meant for this person ). The calls from Synchrony are automated, and if I answer, tell me to call them back. When I call their number ( XXXX ) I get an automated system that is only to verify my acct. information ( which I do not have, since I do n't have an account ). After several minutes ( 2-3 ) of failing to verify my ( non-existent ) account information, it says it is transferring me to a customer account representative and then hangs up.

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 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I applied for and received a Care Credit Card XX/XX/XXXX. My understanding was that if I paid my balance in full by the deadline - XX/XX/XXXX - I would accrue no interest. I have made regular payments, and when I had a late payment I paid the late fee along with the payment. I have never exceeded the limit of what I was told was the limit of my promotional balance. 
On XX/XX/XXXX I submitted what I believed to be my final payment. For the first time ever, I did not receive a confirmation email. My payment was deducted from my account. 
When I called customer service this morning I was told that I had paid my promotional balance - but still owe {$2.00} on it. However, I have another balance, which is accruing interest at 26 %. The man said that the promotion balance was a separate matter. He said I still owed on XXXX balances from this year ; I wrote down what the balances are, but then as we spoke he kept giving me different balance amounts. 
In short, I feel deceived and frustrated. I do not object to paying what I owe, but I do not think I should owe interest on what was supposed to be an interest-free account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi, I have a credit card account with barclaycard called XXXX XXXX card. I have my payment setup on repeat pay for the " statement balance ''. My last balance was {$670.00}, which I paid myself on XXXX XXXX. However, barclaycard deducted another {$420.00} from my checking account on XXXX XXXX. When I called and complained about the situation, they told me that the repeat pay will deduct " current balance '' up to your statement balance from your account even if you have paid the balance in full. 
This means they can deduct up to twice the " statement balance '' in XXXX billing cycle. 
Although the manager told me it is in terms and conditions, I was not able to find it. This situation created problem for me since I need to find money to pay my other bills. Also, I think it is a way of taking benefit from customers and deducting more money than it should. I feel that I am not the only XXXX abused, and other customers could have the same problem.

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 2016-06-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
i did recevi not on my house i owe selip & styliano XXXX collection agency monney i did spoke withe this pople to provide me prove of the account they never did send me prove, they claim to be lawers some time they claim tobe collection agency, thee account they r saying i owe monney is abou 10 years old so i toll them please send me proves, first name they use was XXXX XXXX second name they use XXXX XXXX nothing matches they thret me the bother me for thee account i never owe or have any id was opend 10 years a go, please XXXX help me to resolve this problem any prove they have to send to you please send those to my house THIS COMPANY SELIP & STYLIANO THEY SAY WE R COLLECTION AGENCY SOME TIME LAWERS THEY USE DIFERENT NAME LIKE Cohen & Slamowitz THIS IS SCAME FROM THEM XXXX COMPLAINS I READ WHAT THEY TRY TO DO TO PEOPLE WHO THEY R WHY THEY USE DIFFERENT NAMES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have completely paid off a retail account that was for a piano with Synchrony Bank XX/XX/2016. However Synchrony continues to report this bill as 90 days late with a balance remaining of {$1000.00}. This account has been paid down and off from an original balance of {$20000.00}. I have even received the paid off retail contract from Synchrony and release of lien on the XXXX Piano, but Synchrony is not reporting this to any of the credit bureaus.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. 
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. 
I want my fee refunded and my credit report cleansed. Thank you

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 2016-12-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on XX/XX/XXXX. I had to return the stove top ( XXXX '' Radiant, {$790.00} XXXX because it did not fit. Lowe 's picked up the stove top on XX/XX/2016 and I was told by Lowe 's XXXX Assistance Team ( XXXX XXXX at a credit would be applied to my Lowe 's Credit Card through XXXX. As of XX/XX/2016, no refund or credit has been applied to my account.

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 2016-05-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.

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 2016-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Quick Bridge Funding, LLC
State: CA

Complaint narrative:
I had a company contact me for a debt that is showing charge off status and a XXXX balance owing on the account. When I informed them of what my credit report was showing they told me that it was done in error and that I still owed them money. They offered for me to settle and said if I did that they would take the entire thing off my credit report. I told them that if they had already charged off my account and reported a XXXX balance that I was not obligated to pay them anything because the debt had been written off. The report the account charged off in XX/XX/2015. The collected payments from me even after the account was charged off from XX/XX/2015-XX/XX/2015 after which I stopped paying. They now starting calling, texting and emailing me today about the account stating that I owe {$60000.00} and that if I do n't agree to pay or settle that they would have their attorney sue me. This is the second time the have threatened me with a lawsuit. The first time I was in a payment plan with them and they filed a suit. They have also called my business and told my employees that they were going to send someone to pick up all my office furniture and equipment if I did not pay them money. They have used several strong arm tactics that I feel are illegal. I had to hire an attorney to contact them and they withdrew the case. This company offers high interest cash advance loans. I do not believe I owe this money anymore because it was charged off and XXXX out. I believe they are trying to correct an error made on their end and force me to pay for funds they wrote off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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:
I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.

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 2015-12-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief