vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.

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 2015-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remit Corporation
State: PA

Complaint narrative:
On XXXX/XXXX/16 my account at XXXX XXXX was drained to {$0.00} and below with bank fees. I contacted XXXX XXXX and they explained that there was a court order for the funds in my bank account. Prior to XXXX/XXXX/2016 I had no phone, mail or email contact that there was a collection in progress or that I owed money from any collection agency or XXXX XXXX. The bank told me to contact the lawyer info listed under the deduction on my account. The deduction info read, " LEGAL ORDER DEBIT - CONTACT XXXX XXXX XXXX '' I contacted the number of the legal aid listed. The number late turned out to be a collection agency called Remit Corporation. I immediately called number and my call was not returned until the afternoon of XXXX/XXXX/2016. They refused to give me any info into the alleged debt and refused to communicate by email or regular mail so that I could have a hard copy ; only phone. I asked for the court order that gave them the right to take my funds and they gave ; Docket # XXXX. 
I contacted the XXXX County Court and there was no legal action for this docket number. It is my allegation that Attorney XXXX gave my bank a fraudulent docket number so that Remit Corporation could fraudulently remove funds for a debt that I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.

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 2015-12-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: NY

Complaint narrative:
I have been contacted many times by National Service Bureau ( I believe it is XXXX ) on XXXX XXXX XXXX. 

- They have called me many times stating that i owe a debt from a medical injury in 2015 that I paid at the hospital at the time of treatment. They refuse to look into this. 
- They have stated that they 've sent me many letters that i have n't received and when asked to send again they have n't sent - They have tried to pressure me into paying this by stating that my debt is incurring interest for every day that i do n't pay them - They have refused to provide more information about their company and if they 're legitimate - They have been unprofessional in their approach ( the person on the phone has used pressuring language and sighed and complained when i 've asked her to tell me more about who they are )

Company response to consumer: Closed
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX I used a check to pay off my balance to Wal-Mart in store ( serviced by Synchrony Bank ). i checked back 24 hrs later and the payment had not yet posted. I checked with XXXX XXXX, who my account is with and they showed that the payment was pending but had been presented and would clear my account that evening. I called to check if payamtn had posted and it had not. I then spoke with a rep from Synchony and he told me that my payment was on time but credit would be held for 19 more days. I then spoke with a supervisor and he stated that because I had paid the exact amount that I could be trying to commit fraud by paying the balance and then going out and making more purchases and then dispute the payment and going over my limit and that hey can hold that payment for up to 21 days. I told him that once a check has cleared and into their hands that it can not be disputed unless I can prove I did not present it. I basically said that by lowering my limit to XXXX dollars it was hurting my score and that I was going to file a complaint. He said that I could do what I wanted but that they can adjust my limit anytime they wanted too. I took this to mean that if I did file that they may keep it lowered and possibly do this to other accounts they service. To this date, my limit is till XXXX dollars.

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 2016-01-02 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a complaint about Synchrony Bank. Over the last 3 months, I have been requesting validation of a debt that is listed on my credit report for a Chevron Credit Card. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Synchrony Bank. I have not received anything that I have requested and it is still being reported to all XXXX Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
barclays bank placed an account with their attorney who consequently filed suit for a credit card account that Barclays refused to negotiate a reduced interest payment plan so that we could pay the principal balance at a XXXX interest rate for 5 years. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa filed suit against us in the beginning of XXXX according to a letter we received XXXX, however we were never notified or served a notice of a court date. They instead served our documents to another individual being sued by Barclays and we in turn received his documents. Docket XXXX. They further advised that they are entering a judgement in this matter on us. They were sent a letter by me on XXXX via certified mail concerning this matterDue to their error, we never had an opportunity to present our side and they also compromised our personal information including address etc and financial information to an individual that we do not know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!

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 2015-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar credit.

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 2016-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony Bank lowers my credit limit down to the most recent balance causing the my credit usage ratio to be high. This lowers my credit score and I ca n't get the credit I need for home repairs and college costs for my son.

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 2016-05-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false 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