vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Started with a hospital visit & billing error by XXXX XXXX XXXX XX/XX/XXXX. Hospital failed to submit the proper claim through my insurance company & was charging me the full bill. Took them almost until XX/XX/XXXX to fix the problem, all I owed was a {$150.00} copay. Hospital never sent a bill but instead, reported & sent me to collections. Company is called Harris & Harris LTD out of XXXX IL. I paid the {$150.00} bill online XX/XX/XXXX after I requested a proper bill with the correct amount for my records. I am still getting collection calls on my cell phone. I have faxed & notified them verbally to stop the calls as the amount owed has been paid. Harris & Harris phone representatives are extremely rude & pushy insisting I have n't paid the {$150.00}. No one will take ownership and keeps transferring me to different people ultimately ending up with the same fax number to fax my proof of payment. The harassment has gotten so bad that I no longer pick up my phone when I see their number on my caller ID. Least they can do is offer to verify payment & make the proper corrections. Or at least, be pleasant on the phone, I do not owe them money & therefore need to be treated right & not as a deadbeat. All because XXXX failed at its obligations to properly process my claim & send me the correct {$150.00} copay bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I went into Sams Club and they were signing customers up for credit cards. I applied and they approved me for a {$5000.00} limit. I asked what my rate was, at which time the lady told me I was approved for their 14.90 % rate. She did not give me any paperwork only verbally told me my rate and printed a new card with my account on it at the store. I then spend about {$3000.00} before I got my actual card and paperwork in the mail. The paperwork they send me said my rate was 22.90 %. I then emailed them and told them what took place. They sent me a letter and refuse to do anything about getting me to spend money on credit up XXXX rate and then switching it to another. I attempted to resolve the matter without involving the CFPB, but Synchrony Bank refuses to honor the rate I was told I was getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a XXXX complaint on CFPB CaseXXXXXXXX. I received the letter dated XXXX/XXXX/15 reflecting a balance of {$3700.00}, Synchrony said they had credited the account due to customer service and goodwill. We immediately paid this balance of {$3700.00} on XXXX/XXXX/15, to be 100 % finished with this company. Today on XXXX/XXXX/15 I received a statement showing a payment of {$3700.00}, than a {$25.00} late fee was applied for not making a payment on XXXX ( I was in a dispute with them ... seriously why would I make any payment until I heard their response ), also there was an additional {$220.00} interest applied AND a new balance of {$6600.00}!!!!!! I am so upset and would NEVER recommend a person to open a care credit acct with Synchrony!!! The balance ( proof in their document in response to my original complaint ) was paid off and I want a new statement mailed reflecting a XXXX balance. This is absolutely ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.

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 2016-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX has a problem with an online bank. The bank has never been able to credit payments made to XXXX different accounts : XXXX and Sam 's XXXX XXXX. The XXXX account was paid in XXXX 2015 and the Sam 's XXXX XXXX was paid off in XXXX 2015. 
The online bank claims that XXXX paid the XXXX debt at Sam 's Club and still owes money on the Sam 's XXXX. 
The assertions by the bank are preposterous because my wife could not have made a payment to an XXXX account at Sam 's Club. Can you help?

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 2016-06-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I just spent 2-1/2 HOURS on the Synchrony Bank website & spoke with XXXX different representatives on the phone, simply trying to change my password, as the Bank is requiring. It was a NIGHTMARE! The Bank makes it almost impossible to get access to my own money. The instructions to change the password are incomplete, and the representatives did n't seem to know what the problems were or how to correct them. XXXX of them tried to connect me with the Bank 's " IT '' representatives, and I was disconnected twice. The Bank required that my password be changed, yet they made it nearly impossible to do it, since the instructions were so unclear. I have decided to take my money out of Synchrony and put it into my XXXX money market accounts, so that I do n't have to deal with a confusing and unclear website every time I want to access my money. The XXXX website is much simpler and easier to use.

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 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took out a loan with Synchrony Financial/ Care Credit XXXX It was to have 0 % interest for the entire life of the loan. They continue to add " new Purchases '' that I have not made. but they claim I owe They continue to raise the rate from 0 % to 26.99 %. I have paid approx. {$3000.00} on the original {$7200.00} but claim I owe {$7600.00}. The 0 percent rate was for the promotional period and the promotional period stated until paid off. I would not have accepted this loan if I knew the interest was above 26 %. I live on social security and their payment and my HUD subsidized rent exceed my entire income. My income has not changed since I got this loan except for this years social security XXXX. Although I have asked several times, they will not send me information on what they payments they have received and how much I owe. They say they have no options. I have been sent transaction summaries showing draws for XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
I cosigned a loan for a family member back in XX/XX/2014, am XXXX and ca n't pay ( my income was noted on the original application. Said student dropped out of college, took the money and is now in hiding and is unreachable. Got original loan through XXXX ( predatory loan approval ) Now I am being harassed by auto-dialer through Sallie Mae, who the loan went to for the college attended. They call 3+ times per day, fill up my voicemail inbox with robot messages. I recently had to put an app on my cell phone so that when they call, it hangs up and does n't go to voicemail. I SORT OF got peace of mind back, but the app makes a call log so I still have proof they are still calling, even on Saturdays and Sundays! I feel they have no right to do this to me. They have also told me there are " other accounts '' open in my name ( which I found out they lied to me ) and also have been threatening to take things from me ( I have no car or house so not worried about that ), threatening me with jail time, and saying they will take me to court every 6 months to prove my XXXX/income exemptions. They are also letting me know that I will go into charge off at the end of the month. They REFUSE to let me off the phone until EVERY PENNY of exempt income is accounted for, even food stamps! I tried to let them know I was taken advantage of at every step, and that since they ca n't get a hold of the student, they come after me. Student is refusing to take responsibility and at least try to pay {$10.00} a month to show good faith, but is refusing any responsibility for the lies of being able to pay this all back and I have nothing to worry about. THE WORST HAPPENED that was promised not to happen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation