vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

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 2016-05-31 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a XXXX Bank XXXX XXXX card for XXXX years. In XXXX, Synchony Bank purchased all of the XXXX XXXX XXXX XXXX accounts. In XXXX XXXX, Synchony Bank increased all rates from 14.29 % to 29.99 %. I paid off my Synchony XXXX Card account in XXXX XXXX and applied for, and obtained, a new XXXX Bank XXXX XXXX card. Previously, XXXX would notify me via cell telephone, text message and email if there were any questionable charges to my account. A very valuable, and appreciated, service. Since XXXX XXXX, after paying off my Synchony XXXX XXXX Card account, I have not made any charges to that account. I just learned that improper, and unauthorized charges have been made to my idle Synchony XXXX XXXX account dating back 30 days. An automated voicemail message was left on an old, unused home phone line. No cell phone call/message. No text message. No email. All the venues that I was accustomed to as a XXXX card holder, were abandoned by Synchony Bank. I must now dispute and investigate XXXX transactions that were initiated over a period of 2-weeks in the state of Florida ( as I am a Pennsylvania resident ). I believe that the poor protections and efforts on the part of Synchony Bank should be reported to other consumers. Although Synchony Bank assumed all XXXX XXXX XXXX customer accounts, they abandoned the consumer protections and communications that were previously extended to the XXXX customers.

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 2016-06-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have XXXX AAdvantage credit card through Barclaycard. XXXX of these accounts had benefit program which I paid an annual fee for of companion tickets for a cheaper price, the process for taking advantage of the program was you were mailed a voucher, that you then needed to call in to take advantage of being mindful of the blackout dates. I have no record of receiving the voucher in 2015, so was not mindful of the benefit until I was planning a trip this summer and remembered the program. I contacted customer service and asked were the vouchers mailed out to me, I did not receive them and was advised first to double check that I did not, if so, I could contact the service center and next steps would be taken? I called back another representative said nothing could be done, I asked to file a complaint - the complaint # 's are XXXX and XXXX. The representative said that I may or may not get a response - so I am using this process to ensure I will. Several issues, Barclay 's sends marketing material and posts information when I log onto the website on balance transfers, on other products - but no mention of how to execute on this benefit, no reminder e-mails to take advantage of it, no reminder that it was even close to expiring when it was - that is assuming it was even mailed. They marketing this benefit but made it difficult to take advantage of ... ... I request the benefit, allowing me time to take advantage of it for this cycle, my understanding the benefit has expired for my account, or I would need to pay a higher fee or if that does not work I request a refund of the annual fee for the period of time I did not take advantage of it for both accounts. A factor to consider is if other consumers with this product did not take advantage of this benefit % that paid the fee but did not use the benefit, a question as to why should be considered by this agency ... ..

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 2015-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I contacted XXXX XXXX XXXX , XXXX by letter to request verification of debt. XXXX XXXX XXXX has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened the new bank account with Synchrony Bank and they let me make deposits into the account with no issues but when I wanted to access to my fund they just held my money hostaged for no solid reasons. The Supervisors and Manager of the bank kept promising to return my money the next day and then next day and then next day .... Almost two months passed by, they still did not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying

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 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
These people are sending me approval papers like this and I know it is a scam

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 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. 

I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.

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 2017-03-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Furthermore, I have asked for access to my bank statements for my accounts. Normally these statements are available online. Since they have revoked my online access, I can not view or download any of my bank statements. To add insult to injury, whenever I call into USAA to request the statements be mailed to me, I am told I must pay {$10.00} per statement. I believe there are payments that were made to my loans with USAA that are evidenced on my bank statement, yet they are not giving me access to documents that will either prove or disprove my claim. 

In XX/XX/2016 I also purchased an extended vehicle contract on a XX/XX/2016 XXXX. At the same time, they closed my account relationship with them, they cancelled the agreement and refunded all the money I paid in to it, even though I did not want this third-party agreement cancelled. They issued me a refund, yet I have no way of confirming whether the refund is the proper amount. I can not verify information online and the payments would be evidenced in my bank statements which they are not providing to me. Needless to say, when USAA cancelled this third-party contract, the action prevents me from getting coverage elsewhere without incurring a significant cost increase. It is worth mentioning that payments towards the auto warranty were made on time and were never late. 

In closing, I need the CFBP to assist me with getting my issue addressed with high level governance within USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I recently noticed that I was being changed a fee for card protection on my banana republic visa. The charges were occurring for since XX/XX/XXXX. According to Card Protection I was charged {$1400.00} in this almost 5 year period. They stated that during a conversation with Banana republic that I ordered this service. I absolutely did not. After I call they agreed to refund the amount.. I have no idea how much compound interest I paid for this scam and fraud. I never order this type of service. Due to fee all that I was paying on my account was taken up with the fee and interest. Therefore my Bill was going up and would most likely never be paid off.

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 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 

The operator identified the company as : XXXX XXXX XXXX. And explained they needed personal information to identify me before they would discuss anything. 

I began by requesting the street address and company telephone number. The operator would not give me the address or number. The operator said " they have offices all over the world '' as if this should appease me. I explained they are required by law to provide this info. I asked to speak with the supervisor. The operator put me on hold XXXX seconds, then said the supervisor was unavailable and abruptly disconnected me. 

When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CCS has been calling my phone number since XX/XX/XXXX asking for a person who relinquished the line before I purchased it. XX/XX/XXXX, I informed the person calling to cease all contact and that any further attempts to call would be referred to the Federal Communications Commission and the Maryland State Attorney General 's office. Today, XX/XX/XXXX ; I was contacted again by the same debt collection company. These calls are highly irritating and completely in error and I have no relationship with the person they are attempting to reach other than having her former phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I entered the Capital One Branch located at XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX. The teller XXXX XXXX was very rude and had a delayed response in assisting me to cash a {$16.00}. Ccheck from the XXXX. The brach was not busy as a matter of fact I placed my Driver 's License and Debit Card on the counter. It took the teller over XXXX seconds to finish drawing cats on her notepad before she preceeded to assist me. I advised her I wanted to cash my check. XXXX XXXX the teller stated where another teller and customer directly next to me could hear since you only have {$12.00} in you account you can only deposit the check. I advised the teller since she just violated my privacy rights by stating my available balance I want you full name, agent id # and I want to speak withyour manager so I can file a complaint with corporate. XXXX preceeded to state she did not have an agent id but isnt her last name on her card. I advised her since she wanted to be coy I woukd add ththat to my complaint also. Another teller assisted in getting the manager XXXX XXXX. XXXX was not aplogetic for her agent 's actions and stated im sure noone heard XXXX when she disclosed your balance. I advised XXXX other customers did hear her. XXXX offered for me to go into her office and I declined. I stated I would take my concerns with corporate since she did not resolve the mmatter. XXXX continued to argue and elevate her voice stating XXXX is going through a tough time. I stated I am also but you should never carry your personal problems to work. XXXX began to cry and thet advised her to go to the break room I said XXXX should cry because never would I treat a customer the way she treated me. I advised XXXX I have XXXX accounts with Capital One, an auto loan, credit card and checking account and never have I ever been treated with such disrespect. Another teller finished my transaction and my check was finally cashed. I am at the point that I want to pay off my credit card balance and close my credit card with Capital One because I know if I was not a young XXXX Woman XXXX XXXX would not have disclosed a white woman 's checking account balance. I was humilated and will never forget the belittling experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. 
I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. The bank agreed to eliminate the charge off code. I made all the agreed payments but the bank did not change anything. 
I contacted the bank again to let them know about the error in the credit report. The bank sent me a letter indicating that changes have been made ; however, my credit report continues to report the account as charged off and now also as settled for less than the book balance. The bank used unfair and deceptive practices to encourage payments and then does not comply with the terms agreed at the time of the collection call and to continues to affect the customer 's credit despite an earlier resolution. My statement can be demonstrated by the recorded conversation the bank always makes on all collection calls. 
I am asking the bank to remove the charged off code. I am hoping that the bank would not deny now that there is recorded conversation. If they do, that is a false representation ; which they probably follow by asking me that if I have written evidence of the conversation to send it to them. Obviously, it impossible to comply with that request and they know it, but they do have it the evidence required and always refuse to produce it. 
Your cooperation is appreciated XXXX XXXX

Company response to consumer: Closed with non-monetary relief