vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a crefid card i had a XXXX dollar credit limit without my consent they pulled a crefit report from a credit agency i called amazon / syncrony bank and askef them to explain why my credit limit was dropped in swich they said do to a credit scoring pulled from a credit agency in which all thats on my credit report was there when the account was opened i asked them to send me a copy of my consent to pull my credit report with my signiture they said it would take take 30 days before i could get that info asked the why so long would not give me a answer only that it is policy

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 2016-07-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.

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 2016-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys

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 2016-11-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX

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: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the 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 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
THIS COMPANY PLACED AN INQUIRY ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX ) BECAUSE SOMEONR FRAUDULENTLY USED MY INFORMATION TO OBTAIN 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 non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately

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 2016-12-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't have a balance ) but I 'd like suggest that this interest rate and the policy border on deceptive practices by Synchrony for those that may have had the card for some time and not noticed the increases over the past few years.

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 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: OH

Complaint narrative:
On XXXX/XXXX/2015 I went to XXXX XXXX to consider purchasing a new house. The realtor XXXX XXXX told me that I would qualify for AT LEAST a 3.5 % interest rate. She even said that she was being " conservative '' and put it in writing. I asked how could I find out for sure? XXXX told me I had to sign a purchase agreement and talk to their sister companyNVR. I spoke with NVR Loan officer named XXXX as their normal loan officer XXXX XXXX was on vacation. I told XXXX that I did NOT want him to run my credit unless he could absolutely assure me that my rate would be below a 3.75 %. I did not want him to ding my credit. XXXX assured me that he absolutely thought that 3.75 % or even lower was possible as XXXX had put on my good faith estimate. Given his oral agreement ( prior to anything being signed XXXX XXXX ran my credit with understanding in place. On Monday XXXX/XXXX/2015 I went in to meet XXXX XXXX the usual loan officer that works with XXXX at XXXX XXXX. Loan officer XXXX XXXX XXXX XXXX is # XXXX. My wife and I sat down and I immediately said to XXXX XXXX, " XXXX, as you probably know we talked to XXXX at NVR while you were on vacation and he promised us that he would not run my credit unless you could hit at LEAST the percentage rate I gave him that all other lenders are currently offering. So we can make this a really fast yes or no if you tell me the interest rate. '' XXXX just said to just " sit down and we would review things first ''. As it so happens after 90 minutes of her blathering she pulled out a pre-printed sheet that had a completely different interest rate than what was said both verbally and on paper by either XXXX or XXXX XXXX. I was told I would get 3.5 % and I even said I would allow them to come in up to 3.75 % the price every other lender was offering. As you can see by the letter they put 3.5 % and said " that 's being conservative given your credit history ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. 
They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. 
Both companies are based in XXXX, MO.

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 2016-02-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!

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 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation