vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.

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 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Frontline Asset Strategies, LLC
State: MO

Complaint narrative:
I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
In 2013 I was a victim of Fraud and I was n't able to get the perpertrator so I ended up having to pay my XXXX XXXX accounts, later I was able to pay off another account from XXXX also. I need CHEX SYSTEMS to remove these PAID accounts off of my Chex System account. I am a mother of XXXX children that have XXXX and it is very difficult to open them up an savings account because of this information on my CHEX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nationwide Debt Management Solutions, LLC
State: NJ

Complaint narrative:
The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Centric Asset Management Inc
State: LA

Complaint narrative:
Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.

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 2015-06-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a XXXX XXXX card, rarely used it, and wanted to cancel it. There was a charge of {$9.00} on the card, with no identifying information, so I assumed it was a monthly charge by Barclay 's ( XXXX ). I paid it for a couple of months, and finally called to cancel my card ( tore it up ). I thought that was the end of it. Since my call, I have continued to be billed for {$9.00}, plus interest, plus a {$35.00} Late Payment Fee EVERY MONTH SINCE XXXX 2015. I have spoken to numerous reps and reported it as fraud since I had no idea what the charge was, after confirming with the reps that it was not a XXXX charge. However, they did not give me any info on who was charging my card every month, and they told that even after closing an account, they still allow businesses to charge a person 's account. This is an outrageous and the fact that I have had to spend hours of my time while working full-time, not ever knowing who the vendor is charging me {$9.00} every month months after my closing this account is an unfair, unethical business practice on XXXX 's part. It must stop. I am now writing to the company ( on a Sunday when I should be relaxing, going to church, visiting family, and getting to work the next day ). The fraud department at XXXX has never contacted me about the results of its investigation at all. I have only spoken ( at 3x ) to customer reps and to the fraud department upon my initiation, not theirs. 

I need to be credited all the charges from the moment I called to cancel my card ( XX/XX/XXXX or XXXX 2015 ), and my credit worthiness should not be impacted by this charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity Account Services LLC
State: TX

Complaint narrative:
Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me money.

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 2016-03-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: CO

Complaint narrative:
SYNCB/Amazon is reporting an account on my credit as derogatory that is not mine. I have never ordered anything from or had an account with Amazon. I have reported the error through the credit reporting agency and all XXXX of the major credit bureaus are still insisting that this is my account. I have never received any statements or phone solicitations regarding this account. I was unaware of it 's existence until it appeared on my credit report. The name on the account is a name that I had previous to the claimed opening date of the account. After repeated attempts to contact Amazon, I was finally able to actually talk to someone and they referred me to their attorney. I called the attorney 's office and was requested to submit a signed statement to them in writing that I would not dispute the account in question before they would even talk to me about the account. I 'm not about to sign such a statement since this account does not belong to me. Even though I was finally able to talk to a representative at Amazon, I have not been able to find out any further information regarding this account. Since this account is being reported on my credit as a charged off account, it is negatively affecting my credit score and my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
After logging in online on XXXX/XXXX/2016 and previous being logged in online through my account on XXXX/XXXX/2016 I noticed that Amazon Credit Card ( Synchrony Bank ) had lowered my credit limit from {$600.00} to {$100.00}. Which is very funny seeing that I just had their card security make a payment to pay the prior balance of over {$700.00} as a debt cancellation just two days before and that posted on XX/XX/XXXX. Well on XX/XX/XXXX even though the statement generated on XX/XX/XXXX shows available of {$100.00}, it still showed I had an available credit limit of {$600.00} and - balance on my account. Well when I woke up on Sunday to make a purchase I noticed I only had a {$100.00} limit I immediately called them and spoke to a manager who informed me the reason that my account limit was lowered was because of the claim being filed and the account being paid off by card security. I asked her again how is that fair that something that is there to protect someone 's credit causes them to have negative effects on the credit when they use it. She then changed her story stating that the limit was lowered because after the payment a new credit report was pulled and that the decision was based on factors that were obtained from that report and that this is something that Synchrony randomly does but has never done in the time I have had the account and also they have pulled my credit prior to XX/XX/XXXX because I had tried to get a credit increase and it was denied because of credit at that time, so that theory of randomly being selected should be knocked off the list of why my account was lowered. This is the company 's attempt to fault customers when they use the card protection on the accounts they have with Synchrony Bank and they are using excuses of random credit report checks, or your pay history ( which before the event happened was paid every month ) to justify lowering a customers credit after they use the account security and something should be done about this because if you research it online there are XXXX 's of other customers this has happened to after using card security and they continue to get away with this.

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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill. 

And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee. 

The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee. 

The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time. 

I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide. 

All other bill payments were received properly. 

However, Sychrony Bank sent me another bill claiming they never received the final payment in full. 

I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS. 

I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee. 

This is EXACTLY what occured the 2nd time around. 

I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill. 

I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee. 

I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full. 

They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance. 

I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest. 

I have been told of this exact scenario occurring to other people by Synchrony Bank credit company. 

I am interested in getting this resolved as quickly as possible.

Company response to consumer: Closed with explanation