vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
For 30 days more or less, XXXX XXXX located in XXXX has called, they call all times of day, recently they only call early morning or late evening, we assumed these to be telemarketing calls. They work for Synchrony Bank who handles Lowes credit cards. On XXXX/XXXX/16 i talked with customer service and asked them to quit calling us, they called again XXXX/XXXX/16 morning and evening, I talked with XXXX on XXXX/XXXX/16 there was a late charge on our account, she removed that, since we have an excellent payment record, and I explained we have a perfect payment record with them, and that we had n't received a statement for XXXX 2016, she in fact did credit my account, but the calls continued, I called again today XXXX/XXXX/16 to get something done XXXX with Lowes customer service # ( located in XXXX ) put on hold which i agreed to, after 10 minutes I hung up. I have canceled my account, but these harrassing calls should not have even been placed to my home. On line chat was n't any help either to Synchrony Bank. Please help

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

Complaint narrative:
I have a banana republic credit card ( through synchrony bank ) and they added on a card security fee. After reviewing my statements over the past several months I noticed that I 've been charged a fee for " credit security. '' I do n't recall ever agreeing to this fee.

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 2015-08-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX Insurance canceled my policy because Lexus Nexis Risk Solutions, XXXX . XXXX, XXXX XXXX Report reported to them that I was in a At fault accident and received a citation on XXXX. I was not issued an citation for any accident period. My official XXXX and XXXX records do not even state this information. Lexis Nexus and or The XXXX Report are not government agencies but some how have mustard up the authority to have ones insurance canceled do to false information. I contacted XXXX who admits themselves that both my XXXX and XXXX record is clean and show no violations. However, since Lexis Nexus told them I have an at fault ticket they had to cancel my policy or double my rate. As of now I have no car insurance with no tickets or violations listed on my GOVERNMENTAL ISSUED DRIVER REPORT from the XXXX. The governmental agency that is authorized by the government to handle all drivers records. How can a consumer reporting agency not authorized by any government have my insurance canceled and rate doubled and the information is incorrect. Lexis Nexus told me that they had authority over the XXXX and XXXX and there records are never wrong. I will be a seeking legal representation pending the results of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello I have been a Barclays account holder for several years having multiple accounts. They ended up closing my Barclay Arrival XXXX ending in XXXX however they did not release the accrued rewards in the account. I talked to someone when I inquired about my account closure and it was my understanding that I would receive a check for the rewards that were accured which was for over {$1000.00}. I have not seen any credit/check from Barclay and any further communication to them tells me I will get account closure info in the mail. On my XXXX XXXX, 2015 statement it indicated I had XXXX reward points available. However I have not been able to get these rewards out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Alpine Capital Investments, LLC
State: IL

Complaint narrative:
Recently became aware of a default judgement from Alpine Capital Investments that was against me after I was served at my business for a discovery of wages a few days ago. 

After I was served with this notice, I went to the court house and pulled all the documents. I also went through old records of letters I had written years prior that were in my basement and try to put the puzzle together. 

When I sent the letter XX/XX/2011 after apparently getting a letter from them, I never heard anything else and I assumed they went away. I guess I was wrong. 

I do n't have any recollection of ever having any business of Alpine Capital and despite they lied about serving me, I discover that XX/XX/2011 a default judgment was made against me and now I am left in a situation that looks very dire for me. 

They are now trying to enforce the judgement plus fees and other interest charges in the amount of {$9400.00}. 

Had I ever had a chance to defend myself, I absolutely would but the fact that this " detective agency '' lied I feel helpless and unable to protect myself against fraudulent claims. 

While I have hired an attorney to help represent me, I am very disturbed at how the State of Illinois allows such awful things to happen to the consumers in this state. 

I am hoping you can help me because this fleecing of consumers is disturbing on so many levels. 

I am also seeking representation on a possible counter suite against them and the detective agency. I am ready to take it to the highest courts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income

Company public response: Company 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: NE

Complaint narrative:
We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our 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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Mercedes Benz Financial Services did not place the credit/debt on my credit report as a co-signer when account was opened XX/XX/XXXX16 and paid off on XXXX/XXXX/16. They finanlly did put it on my credit and it is still incorrect after 11months of me complaining to various agencies and the IL attorney General is currently involved XXXX & XXXX on XXXX XXXX, 2016. From MBFS actions deprived me of building my credit as well as violating various FACTACT and fair lending policies. MBFS stated in a letter dated XXXX XXXX, 2016 that they are not legally obligated to report on me a co-signer and it was a business decision NOT TO place this on my credit but did in XXXX 2016. All this time of NOT putting it on me. This financed instution from day one for that personal decision in which they mention done unfair and deceptive business practices to me and the Primary ( Master Sergeant, XXXX XXXX ) on this Paid in Full account with them. To this day the information is still incorrect where they inflicted harm and well as negative and financial loss that we both endured. They need to be trying to settle with us for their wrongful and discriminatory actions. They on MSG. XXXX have unknown for XXXX and have incorrect dates and dollar amount. And for me co-signer they did not report XXXX, XXXX payments that was paid on time and for XXXX they have the same thing on me an X for unknown where they did NOT call in at all and report these payments. And after asking for XXXX extentions by their attorney is when their attorney convinced them to correct my credit report and then mishandled and abused my financial and personal information to IL Attorney General by NOT covering my social or crossing out so that my entire social is n't revealed to all who handles that case. and that was done intentionally as well. attachment XXXX is MSG. XXXX report. We have asked them over 5 times to correct our credit reports and they caused us to be financed at a high interest rate after paying them off because they did n't correct nor provide the accurate information throughout paying them with this account is the harm and financial loss that they provided to us. Where this new finance company got a old glimsp and negative review and rating from them by not reflect the TRUE picture harmed us tremendously. In addition to them not reporting on us being retalitory cause both of our credit scores to drop from XXXX. This is n't right! Mercedes Benz Financial Services knew from the very beginning that I the co-signer would be the XXXX paying all these car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My complaint is against GE Capital Care Credit. I received a loan through them for XXXX XXXX XXXX in XXXX of XXXX. The office finance person of XXXX 's XXXX XXXX offered this line of credit so that I could have the procedure done. Nothing was really explained at that time so I signed the document and was ready to go with the {$3000.00} credit and a promotional period of 3 years. I had also used it to pay for a XXXX for my daughter in XXXX of XXXX for {$300.00} in which I was told over the phone the promotional period would be 2 years. I turns out that the second loan promo period was only for 1 year. I do all of my transactions online and have never looked at any of the statements they have sent me until they charged me the XXXX very large interest charge of {$940.00}. The online version does not really keep a history of payments like it says it does and I was sure I had covered the XXXX loan by this time ( XXXX/XXXX/XXXX where as I had already paid them {$3.00} on XXXX/XXXX/XXXX ). Over the phone they had told me that I owed a large amount of late fees that totaled up to by {$47000.00}. These interest charges never shows up on the online version ... EVER! I then asked them to send me all of my statements. They did and when I received them I found that if I am a day late or the payment date they charged me anywhere from {$25.00} to {$37.00}. I was told by the person at XXXX 's XXXX XXXX that they had a 10 day grace period which obviously they do not. I also saw that they had been charging some type or interest charges of different amounts from time to time. They also charged some other fees and I have no clue what they are or why they charged the interest or the other fees. I did some research and found that your organization file a class action law suit on them. I read it and also found that I met all of the criteria for this suit but was never notified about it. They started calling me non-stop until they turned it over to another company that called non-stop after I told them to not call me. Now there is someone calling my phone threatening to issue a subpoena for me to be in court. This person has never shown up and I 'm not sure where I stand in all of this. On top of all this, they ran another credit report, that I did not authorized, on me in an attempt to lower the line of credit available, not that I will ever use this again. Please help me, I have already paid these people {$350000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had an account with Walmart. The account was sold to XXXX and then again to XXXX XXXX. I have paid this account in full to XXXX XXXX and Walmart will not remove/update this information with the credit bureaus. They are telling me that XXXX XXXX has to report it when in fact they ca n't report a payment that they never reported delinquent. The person reporting the delinquency has to report the payment.

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 2016-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I recieved a call from Barclays today about a rebill on a card which has been closed since XX/XX/XXXX. I am unclear on why this rebill has been allowed and on why I am unable to dispute it. I was told that past phone calls have not been returned because an employee was on vacation. I was also told that Barclays lost ( at least XXXX ) dispute letter which I sent in. 
I also asked for clarification on XXXX more disputed charges. One involved XXXX XXXX. One involved a XXXX XXXX XXXX. Barclays refused to provide me with information on these disputes, to explain where they are in the process of disputing them, or to credit my account. 
Finally, I asked for access to all phone calls, or transcripts thereof, that Barclays claims I had with them. Barclays claims that I approved a rebill. I do not recall doing this. They also have, in the past, lost materials related to the XXXX above disputes. Both of the above disputes ( XXXX XXXX and XXXX XXXX ) were initially called in within 60 days of services not being rendered. Barclays seems to have unclear records on this matter. 
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and 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 explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/XXXX, I applied for a healthcare financing credit card, and was approved for a {$5500.00} line of credit. I needed a reconstructive procedure that was {$6500.00} after insurance, so in XX/XX/XXXX, I requested a {$1000.00} credit line increase. I was approved for the increase, but instead of raising the limit on my existing card, I was issued an additional card for {$1000.00}. I made all of the qualifying payments on time, and even paid off the balance early. In XX/XX/XXXX, I was notified by mail that because I had XXXX accounts, XXXX of them would be closed. Inexplicably, the account with the initial {$5500.00} line of credit is the one that was closed, and the account with the {$1000.00} credit line increase is the one that remains open. The following week, I contacted customer service to restore my credit limit to the {$6500.00} for which I was approved. Both the customer service representative and her supervisor acknowledged that issuing the second card and closing the first account are their errors. However, neither was willing or able to restore my credit limit on the account that remains open. The only solution offered to me was to request a credit line increase on the remaining account. This would put a hard inquiry on my credit report for a year, and lower my XXXX score. All of this to correct errors XXXX Bank made, and with no guarantee that my credit limit would be restored to its previous level.

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 2016-05-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have recently become aware that I am a victim of identity theft. XX/XX/2015, approximately XXXX 2015, there were several ( XXXX ) credit cards opened under a different name while utilizing my social security, date of birth and a different address that are not mine nor ever have been mine. I have tried to communicate with this company and between either only being able to speak with someone that basically speaks very broken English, I have seemed to gain no traction. I have also contacted XXXX, XXXX and XXXX to dispute with them accordingly in hopes to help expedite the removal of this information from my credit files.

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