vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc
State: AP

Complaint narrative:
Scam collections attempt. Shady business practices targeting the ignorant. 
Received a debt collection from Northland for Creditor XXXX XXXX XXXX Northland Reference # XXXX Creditor XXXX Creditor Account # XXXX Account Balance {$25.00} Dated XXXX XXXX, 2015 Northland Group XXXX Inc member of XXXX XXXX XXXX XXXX, NJ XXXX This is the first notice from this debt collector. The amount owed is supposedly {$25.00}. The notice states that it is for a returned check. 

I immediately called XXXX to verify this nonsense. XXXX the initial account rep and his supervisor XXXX ( XXXX case # XXXX ) verified I have never had any debt, late payment and/or any returned amounts. I have also verified this with my bank searching as far back as 1 year of bank statements. Additionally, this letter was dated XXXX XXXX, 2015 but indicates absolutely no specific date of occurrence or even suggests a date range. 

I find it shady also, that the pre-determined address selections in XXXX complaint process for Northland Group : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN Main Billing Complaint Mailing are not even related to what is on the actual mail I received. 

Another fly-by-night scam operation targeting the ignorant. 

Seems as though the XXXX Personally Identifiable Information ( PII ) leak has lead these XXXX collections scam artists to attempt and collect from those not so wise to their games. 

Northland had replied to a XXXX compliant ( XXXX Case No. : XXXX ) I filed, stating the exact date, time, items and amount of purchase being that of {$36.00} on XXXX XXXX, 2015 at XXXX. However, this transaction does not take place on my bank account on the specified date but on XXXX/XXXX/2015 and it does not reflect an issue of payment. XXXX also has confirmed that this was not a failed ability to pay. This leads to one fact, if I had not called and verified with XXXX, checked my bank account, or filed a complaint with XXXX, Northland would have gladly took my money and more. 
Bottom line, somehow Northland is collecting false data from various vendors, or XXXX is leaking information to collections on false pretenses. Either way, if I had paid Northland like so many others had, I can only imagine how many false collections have lined the pockets of these scam artists over the years! On XXXX sides, Northland and XXXX, should be immediately addressed on this matter and dealt a swift punishment. Additionally these companies should be required to compensate those that have ignorantly paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank refuses to stop calling me at XXXX every morning unless my relative calls to have my number removed from the bank 's contact information. I do not have an account with them yet they continue to harass me even after I requested they stop calling every morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received a letter today from Synchrony Bank stating that they reviewed my account and decided to lower the credit limit on my Chevron and Texaco Credit Card account to {$1200.00}. My limit was previously {$3000.00} and I 've had this credit card for over 10 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 2017-02-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XXXX XXXX, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was {$40.00} available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost {$160.00} in available credit. When I called the customer service rep advised that this account credit limit had been lowered the same night. This account is always been paid in great standing. Synchrony bank only dropped my limits after I paid down XXXX other accounts with them. I believe this is retaliation due to me previously filing a complaint against them. Synchrony also lower my Lowes account and my Phillips 66 card. My initial complaint was due to the banana republic card being reported as late. Synchrony is caused my score to lower due to reducing my credit limit causing my utilization rate top go up. Synchrony bank needs to stop 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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. 

This is causing substantial harm to my credit report and yet Trans Union continues to violate the Fair Credit Reporting Act. 


XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( XXXX, Barclays, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( XXXX, Barclays, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from XXXX which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
Finance company changed themselves to be the first mortgagee and beneficiary on my insurance prior to loan closing without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ). 

I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}. 

I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response. 

And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}. 

I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}. 

I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. 

I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to XXXX credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I immediately made a full payment on my account and do n't have any outstanding 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 non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier

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 2016-06-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX, Synchrony Bank contacted me via phone to notify me of the due date of a payment. I assured them that I was willing to accept the late fees and would be making a manual payment online through their payment portal on XX/XX/XXXX of {$84.00}. The CSR asked if I would rather not make a payment over the phone that day and I assured the woman that I would complete the payment on XX/XX/XXXX for {$84.00}. I received a letter on XX/XX/XXXX that I had authorized an over-the-phone payment on XX/XX/XXXX and that I had to contact them three days prior ( XX/XX/XXXX, XXXX days before the notification ) if I wanted to stop payment. In addition, I had already made the online payment manually on XX/XX/XXXX as I confirmed with them. 

I called their customer service and they apologized for the error. I asked for them to either refund the wired amount or send a wire to my account for one of the {$84.00} payments to clear up the error. Both the CSR I spoke with and her supervisor assured me " the only option '' was a physical cut check. I asked them why they could not simply wire to a routing number, as this is something I routinely do at my job in accounting, and with multiple banks, and their only explanation was that it " was not an option. '' They eventually agreed to physically mail an expedited check ( for, again, an online payment made overnight, which they received ) which would arrive in 4-5 business days. I informed them that this still jeopardizes my finances as I had made it a priority to completely pay off the remaining balance. As they had the money and I did n't, and they would not budge or provide explanation, I was forced to accept this as the only resolution.

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 2016-09-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: MD

Complaint narrative:
I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for a XXXX Rewards Card through Chase. My reason for signing up was Chase 's promotion that if you spend {$3000.00} in the first three months you will get XXXX reward points. However, before signing up I noticed an {$85.00} annual fee, but their own website says {$0.00} introductory annual fee, then {$85.00}. 

The material from Chase 's website is attached. However, instead of waiting a year to be charged this annual fee it was assessed to me immediately. This is misleading and false advertising. I would have no issue paying the {$85.00} fee after I have the card for a year, but instead I will be charged XXXX annual fees in XXXX year. I attempted to resolve this informally with Chase, but they ignored my request. 

I actually like Chase, but this is XXXX time in XXXX months I have had to submit a Complaint for various interest/fee charges on Chase Credit Cards.Each time I have attempted to resolve it informally with Chase, but nothing was done and I filed a report with CFPB. I am an attorney California Bar # XXXX and although {$85.00} is not the end of the world this is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX complaint filed XX/XX/XXXX with CFPBFYI CFPB : I recently learned of fraud, concealment and non-disclosure at my home loan closing. 
So per recent legal education and opinions to borrowers, I sent certified USPS a letter of loan rescission XX/XX/XXXX to Chase/XXXX al which was received XX/XX/XXXX. 
Chase/XXXX al had XXXX days to file legal action to challenge the rescission or vacate it legally. 
Chase/XXXX al did not do so within XXXX days per TILA, thereby losing all rights and interest, plus the note and deed ( mortgage ) now being null and void as of XXXX or XX/XX/XXXX. 
I sent chase a demand letter XX/XX/XXXX to do per TILA send me the cancelled note, record in the land records a satisfaction of deed of trust and to refund all monies paid by me at closing and my regular monthly payments. 
Chase did not, so on XX/XX/XXXX I retained a local consumer advocate attorney to:1. XXXX send a courtesy demand letter to Chase to abide by TILA law and do the above requested in the XX/XX/XXXX demand letter. This was sent by my attorney to Chase XX/XX/XXXX. 
2. Then, after retaining a nationally known consulting attorney and expert witness on TILA to discuss with my local attorney, I sent to Chase/XXXX al a corrected rescission letter certified USPS on XX/XX/XXXX of the original XX/XX/XXXX letter ( sent without counsel ). 
3. Next, the same day, I recorded the corrected rescission letter of XX/XX/XXXX on XX/XX/XXXX in the XXXX County, Colorado land records as constructive notice to the world on the status of my property/home v. stopping Chase trying to get another free home - not me trying to get another free home - after XXXX rejected by Chase United States government loan modification programs via HAMP and HARP. Meaning Chase does not have jurisdiction or standing to do a loan modification without committing more mortgage fraud let alone foreclose stealing another home from a borrower and the investors conned by XXXX. 
4. So, I am seeking support from CFPB in my planned complaint to file soon with my local attorney in either the XXXX of Colorado or XXXX County District Court - whichever is best for basic TILA enforcement by the COURTS/JUDGES for the borrower & gt ; not the banksters & gt ; which in my state of Colorado lobbied with grease our illegal " Rule XXXX '' kangaroo court foreclosure process with no due process rights.. Which was part of the cause of the CRASH of XX/XX/XXXX and the CRASH of XX/XX/XXXX happening XX/XX/XXXX the past XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Re : Refund from closed Chase Account I paid for a flight on British Airways using my now expired British Airways Chase Visa card XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. I cancelled the card XX/XX/XXXX, and the account closed officially by XX/XX/XXXX. I understand from the Chase credit card customer service representative that the account was removed from their system on XXXX/XXXX/XXXX. 
In XX/XX/XXXX, I canceled the flight on British Airways, and requested a refund from the merchant. Per British Airways, my card was refunded on XXXX/XXXX/XXXX, for the amount : {$610.00}. I informed them that the card had been canceled, but they assured me that Chase would send me a check for the amount, even though the account was closed. Since XX/XX/XXXX, I have tried repeatedly to get my money issued to me by Chase, but have been told in writing that they do not have any record of the account since the account was closed. I have documentation from British Airways that they sent the funds back to Chase, but to date, I have not yet received this check from Chase. I am requesting that you please intervene on my behalf, since I have no other recourse at this time. 
Please let me know if you need any more information. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, Said, That they would be delivering Papers to My Job Or Home, Calling from This Number XXXX, Calling by Married Name, Have n't Used in 19yrs Cursing at me, And Threatening Me.

Company response to consumer: Closed with explanation