vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not 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 2015-07-29 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: NV

Complaint narrative:
As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please be advised on XX/XX/2016 I sent Synchrony Bank/Amazon credit card information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank/Amazon! Synchrony Bank/Amazon has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 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 am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. 
I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I opened a XXXX XXXX XXXX in XXXX 2016. To date each payment has been on time. I had XXXX returned payments, which I made up, the payments cleared. They actually gave me an increase within the last two weeks. I checked my card for payment info and realized that there was no available credit. I contacted Synchrony Bank and spoke to XXXX, and was explained that my card was closed due to returned payments. I asked her for a supervisor and the rep hung up on me, I received no notice and this is not listed in my terms and conditions. This will now have a negative effect on my credit as it will report as closed. No one has contacted me regarding this issue from Walmart or Synchrony Bank.I have called back requesting a supervisor and nothing.

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually XXXX I forgot about a balance, and had a late fee plus interest. Also XXXX I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with XXXX XXXX rep ID # : XXXX ) ; she waived the interest, removed the late fee, and canceled my account. I would like an official agency to investigate their business practices, because this seems like a scam ; " let 's see how many people we can straight up steal money from! If they complain, give them their money back no-questions-asked, but if they just pay, keep charging 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 2015-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..

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 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I did not recieve a notice to validate the debt. They are stilling trying to collect on it. That is a violation of the FDCPA and FCRa because they are also reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 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 did a settlement for {$1900.00} for 12 months with BlueShore Recovery for a debt with XXXX payday loan. I paid {$750.00} and missed my XXXX XXXX payment due to change in my debit card due to an identity theft issue. I got a letter on XXXX XXXX from a whole other Debt Collection agency about the same debt but for {$2500.00}. Come to find out they transferred my debt to some one else and didnt call to ask why i missed a payment or anything. They were going to keep the {$750.00} i already paid towards my debt without transferring it over or telling this other collection agency of what was agreed and what i already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Card issuer is sending duplicate cards without justification, sending false e-mails of fraudulent charges

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 2015-08-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased XXXX on XXXX that were for parts and made an offer on the machines with the malfunctions described by the seller. I expected full disclosure but when I received the units they were broken in very different ways than described. In fact they are a collection of broken parts and are missing parts that specifically were supposed to be there. I tried to communicate with the seller but received no answer, the seller instead calling XXXX and escalating the case. On his doing so I got an email and a few min later I got an email that the case was decided against me. XXXX never even asked for my input. I called XXXX and appealed their decision. The man on the phone asked me if I had to open the devices to learn of this deception, I said yes and he then told me that the case appeal was not found in my favor as opening the devices was against the rules and could not be returned after this point. The units did not even have screws in the bottom plates. They are parts and the parts that the seller said were good are not. They are missing components. I sent pictures to prove this and they told me it only proved that I had disassembled the units. So I appealed to XXXX the administrator of my XXXX extra rewards XXXX by calling the number on the website and filing for a resolution there. They rubber stamped the XXXX decision and ruled against me. I then tried the issuer of the card Synchrony bank, They told me I have no rights related to this issue as the seller was to far away and I already settled the debt as to not incur any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I paid off my TJX Rewards Card ( Synchrony Bank ) on XX/XX/XXXX ( cleared my bank ). This is a week later and TJX has not credited my account. They claim my payment arrived, however have been holding funds for a week.

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 2016-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
A mortgage broker ( Sebonic Financial/ Cardinal Financial ) charged my credit card for an appraisal/inspection fee ( of {$400.00} ) on a ( short sale ) home that I was hoping to buy. The sale never went through yet the mortgage broker refused to refund my money. They have essentially opted to keep my {$400.00} without providing the service and I need my money back. 
I have a detailed package of the incident that I 'll upload with this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Credit provider did not allow no-fee over-the-phone payments in XXXX ( no option was available and customer service stated as much when asked ), causing us to rack up fees, penalty, interest, etc. unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This complaint is regarding Synchrony bank. I have several different accounts with Synchrony bank that was transfer from GE. However, when I obtained the accounts in the store, I was told I could get XXXX insurance. When I got the cards, I notice no XXXX insurance paperwork. I contacted the credit cards company and was told they do not offer XXXX insurance. So I was upset but felt there was nothing I could do. However, I recently got an Amazon card by the same bank, and I was offered XXXX insurance. I then search to see if Synchrony bank provided for other cards and came across the lawsuit against GE/Synchrony bank. Based on what I read, I saw they need to offer XXXX insurance. Back on XXXX/XXXX/14, I went out on workmen 's compensation for almost seven months. I was still forced to pay all my credit cards and when I went back to work, was late and received fees. Because my first XXXX paychecks I did not get paid because I was caught up on all my insurance. I had called Synchrony bank and was informed they could not help me and to pay the bill. Also told me well you have no interest to worry about. But if I ca n't pay the bill then I get hit with a late fee. My credit cards are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and recently added XXXX. I hope that CFPB can help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am writing in regards to my now closed, Paid in Full, purchased by XXXX from Ge Capital Retail Bank. 
XXXX sued me over this debt but the case was dismissed without prejudice and I was advised by XXXX that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at XXXX, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " XXXX would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.

Company response to consumer: Closed with explanation