vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
The creditor or the US Postal System failed to deliver my statement, and this resulted in missed payments, and derogatory account information. It is my right as a consumer to receive statements about my account in the mail. I also requested a change of address with the creditor, and the company 's failure to update this in their system might have influenced this situation. I live in a large apartment complex and sometimes the mail man mixes up the tenant 's mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.

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 2017-01-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I requested copies of my monthly statements for the period of XXXX, XXXX and XXXX XXXX since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response or XXXX dated XXXX XXXX & XXXX, XXXX advising me that they would make every effort to resolve my inquiry in a timely manner. We are now in XXXX XXXX and I have not received those statements. This week I logged in to see if I had my access to the account reinstated but nothing has changed.

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 2016-05-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit 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 2016-10-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from Synchrony Bank informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.

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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XXXX I sent notice to Barclay Cards informing them not to withdraw from my bank account because it is in a debt management program. on XXXX an authorized amount of XXXX was deducted and I have not been able to resolve this with them despite calls, emails

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I paid the amount requested from XXXX XXXX group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection 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 2015-12-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Stash Rewards credit card and set up my online account. I made a few purchases then XXXX large purchase of around {$2200.00} that was declined and set off a fraud alert on my account. I called Synchrony Bank to inquire why the transaction was declined and the told me I needed to send in identification verification to them in order to lift the hold from my account. They said it had to be mailed in and not sent by email. I mailed them the items they requested. Two weeks later I called them up to find out the status and was told they did receive my ID documents and still needed to review them. She said I would be informed of their decision in 7-10days. Three weeks have passed without a word from them. Today I received an email stating my payment is past due and to log into my account to make a payment. I attempted to do just that but I 'm still locked out of my account. 

I sent the documents they requested and still have no access to my credit line or the ability to make a payment. I need help resolving this matter with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Quick Bridge Funding, LLC
State: CA

Complaint narrative:
Quick Bridge funding procured my personal information in order to fill in the missing pieces such as social security number and signature and process and approve a loan for my business on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Quick Bridge funding added my social security number to an application in order to run my personal credit. Quick Bridge provided me with documentation purporting to be authentic. However, after reviewing the documents, I discovered the following errors : 1. Applications were from XXXX companies not named Quick Bridge Funding 2. My social security number was added to XXXX application, clearly in a separate font, without my permission. 
3. No application number was included on the stated application 4. The address on XXXX application is incorrect 5. The signature on XXXX application is a photoshop copy of a general signature available through state documents. 

On XXXX XXXX, I spoke with XXXX at Quick Bridge funding and although he did try and defend his company, did admit that the problems mentioned above were accurately described. 

In my last written communication with Quick Bridge, I stated that I would escalate this matter if they did not pull their reporting off my personal credit by XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was charged a late payment fee on my credit card statement, but my payment was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!

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 2016-11-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
They are trying to collect on a contract that they refuse to validate

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge.

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I got, mistakenly got a credit card from Walmart. I thought that was good. I went to the Walmart store on XXXX XXXX, here in XXXX, and bought a {$100.00} dollars worth of groceries. I have had trouble paying on the bill. To cut it short, on that amount of groceries ; my latest bill in XXXX is {$210.00}. That much for only {$100.00} of food. I feel I am being scammed, and that card was a mistake. I have talked to them. They refused to back down. Can you help me?

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 2015-09-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
lowered limit with out notification. keeps charging late fee, even thou i am paying on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no reason.

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 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ZARVAD III S.A.
State: AL

Complaint narrative:
I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.

Company response to consumer: Closed with explanation