vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.

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 2016-06-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blueshore Recovery
State: TX

Complaint narrative:
I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I Have good credit and TJX Rewards wont upgrade mycredit card to a master card and I do n't think that its fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Best Buy Credit Card with Citibank for years. I did fall behind but caught up and have been making monthly payments on this account, trying to pay it off. Citibank continues to charge a {$59.00} annual fee and over the limit fees each month to my card. I have called them and requested they cancel the card. They are now calling me day and night, not leaving messages, just calling, letting the answering machine catch the call, then hang up, sometimes XXXX 4 times in a row. This has become harassment. They even call on Sundays all day. I was in a car accident in XXXX, 2016 which left me XXXX. I am still working as much as I can to pay off my bills but have missed a lot of time at work and therefore limited pay. ( letter attached )

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 2015-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: NH

Complaint narrative:
my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I was shopping for a refinance loan and I made the mistake of giving the lender my credit card info for the appraisal if I decided to go with them and told him not to use it unless I gave my express permission. After sending him an email telling him we would not be moving forward until I had compared all offers he charged my credit card for the appraisal. At no time did we sign any documentation or give him permission to go forward. The credit has still not showed up on my credit card after he stated it was being refunded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I previously encountered hardships with respect to my mortgage and secured the services of an attorney to assist with such. At that time, my mortgage was upside down, and I underwent a financial restructuring process and my attorney assisted in lower my debt. Chase, who held the XXXX mortgage on my home, was contacted by my attorney to facilitate such. At that time, I wrote a letter to them in XXXX XXXX explaining the financial and medical hardships I was experiencing, and requested the same be forgiven. My attorney received a letter from Chase advising that the debt had been cleared. After receiving the letter, I contacted Chase a few times to confirm the debt had been wiped out and was advised that was in fact the case and I was sent a Satisfaction of Lien in XXXX XXXX. After receiving this notification, my XXXX mortgage went through a refi process through the new HARP program. Since Chase wrote off my debt, we did not include it. Afterwards, my attorney and I concluded our business and terminated our relationship. In XXXX XXXX, I was contacted by Chase and advised that they released my debt in error and requested payment. I wrote to them on XXXX XXXX, XXXX reminding them that the time to negotiate was when I had an attorney who was retained for that purpose. They were well aware that I was represented as my attorney wrote to them on several occasions. I requested a XXXX to file in accordance with the Mortgage Forgiveness Debt Release Act which they failed to provide. I requested that they honor the prior agreement and advised that I will not be making any payments in which they never responded. Chase went several months without contacting me. However on XXXX XXXX, XXXX, I received another letter attempting to negotiate the debt which is highly improper. At this time, since it appears that Chase is refusing to honor their prior commitment, I am filing a complaint and am requesting your assistance on such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Macy's/American Express card XXXX The Amex portion was compromised and I received a bill showing a late charge. I had never used the Amex portion of the card and thought it was just my Macy 's bill. When I realized it was fraudulent charges, I contacted them and they started a claim in XXXX 2014. The claim is still outstanding and I have been receiving letters from their collections division. I have called at least XXXX times, each time they tell me it is still under investigation and they received the Declaration of Fraud paper in XXXX 2014, yet the case has not been resolved. I have been told multiple times that a supervisor will call me back regarding the issue, with not XXXX return call. I closed the Amex portion of the card immediately after realizing the fraud had taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i went to pep boys and applied for a membership credit and asked for services as they did a terrible job and dismantled performance to my XXXX. i had complaint to supervisors as they refunded and i had to return to a different pep boys as they couldnt fix the issues. i had to as well complaint to the XXXX of the services as well had to complaint to head quarters of pep boys as they said they would take care of issue. they did but now they put a collection on my credit report as they said they took care of issue which is a strong slander as they never sent letters and breached my data and persnoal information. the damge to the vehicle was bad they had to lease a new vehicle as the performance was not working proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a credit card from Barclays Today I received a letter form Barclays indicating that if I did not use my card within the next 45 days ( Williams Sonoma card account ) they would not renewnot renew my card. The card has a XXXX balance. 

Is this legal? 
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 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : XXXX I would like to dispute the following item on my credit reports : XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to Lowes of {$600.00} as payment as Lowes requested. There was not notice by either party at that time the account was sold or transferred. XXXX placed additional charges on the Lowes Balance placing demands after payment was made and forward to LOWES. I contacted XXXX and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a XXXX manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by XXXX. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the Post Office. Also the Credit Union states the Cashier Check shows payment / cashing by XXXX 1. Lowes : Charge Off : # XXXX ( Reporting ) Not PAID 2. XXXX : Charge Off / Dispute payment was made prior to reporting being made to the XXXX Bureaus : XXXX, XXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. 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 2015-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.

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 2016-02-09 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: NJ

Complaint narrative:
my wife received a Settlement Offer for Convergent Outsourcing , Inc. saying that he records of XXXX show that she has a past due balance of {$200.00}. They will settle for {$41.00}. She has n't has XXXX since 2005. We have never received any prior notices. It has not shown on any credit reports. We want to know if this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.

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 2016-10-22 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from them.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.

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 2016-10-21 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: NJ

Complaint narrative:
This account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: PA

Complaint narrative:
I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.

Company response to consumer: Closed with explanation