vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Accelerated Financial Solutions, LLC
State: MD

Complaint narrative:
XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastpoint Recovery Group, Inc
State: MN

Complaint narrative:
XXXX was the original debtor, received a call from some guy named XXXX XXXX from Eastpoint recovery claiming that before my case goes into court they were trying to avoid court preceedings etc ... 
He has called my family members and disclosed my debt to them. I was scared into paying a down payment to keep my account out of court. They first took XXXX then XXXX within a month time. I requested a verification of my payment plan but never received it. they then try to take more than the amount agreed on the next payment. I still have not received any written verification of the debt or this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I had home warranty with XXXX for 2 years. I called for plumbing issue that was covered by the home warranty but the person they send was in a rush talking to his phone and said he will come back but he did not. I will not pay for this since the problem was never fixed per agreement.

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 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Hello, I purchased a XXXX Prepaid Visa debit card at XXXX on XXXX XXXX, 2016. Then I paid for a value of {$500.00} to be entered into this same card - payment was not w/ another credit card or a cheque but w/ cash. The XXXX clerk who sold me the card, said my card was activated as she handed me my receipt & the receipt also states that the card was activated. 

However, I think less than an hour after buying this card, I tried to use it - but the card did n't work. Seeing that my card did n't work, I went to XXXX to get my money refunded, only to learn that they would instruct me to call a toll free # XXXX. When I called to get a refund, I was told ( I think this was less than 2 hours after I bought the card ) I would have to scan & then send a copy of : the purchase receipt for the card, a copy of a utility bill w/ my name on it, my passport, a letter stating I want a refund, as well as front & back pictures of said card to I believe their Fraud Department, which I would eventually do, exclusive to the copy of the utility bill. Further, I was informed it would take at least 1 month for my refund cheque to be sent to me ... that 's it would take 1 month to get my money back from a simple cash transaction & I would still be getting a cheque at that. 

I 've sent this company all the required scanned copies of what they 've requested, except a copy of a utility bill w/ my name on it because I do n't have XXXX. I 've been in contact w/ this business via their toll free number & XXXXXXXXXXXX but The last email I received from them was XXXX XXXX, 2016. 

My case number for this matter that the firm assigned to me is XXXX & an earlier number they gave me is XXXX. 

I 've been directed to these websites : XXXX XXXX : XXXX? XXXX The reason I 'm contacting your office is twofold : I would like a complete refund for this card which I 've never used to make a purchase - which has never worked - that still has {$500.00} credited to it. Furthermore, I 'd like to file a consumer complaint against this company as well as XXXX, as they provided me no warning for the possible pitfalls in purchasing this debit card. 

I 've now waited more than 4 months trying to get a refund, spending hours writing emails, paid money making phone calls contacting them, etc. Given that this is a matter of an ordinary cash transaction, this has become quite simply - the most disgusting experience I 've ever had w/ a company as a consumer in my entire life, anywhere in the world. 

Could you assist me? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Technology Incorporated
State: LA

Complaint narrative:
I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Account Liquidation Services Inc.
State: ND

Complaint narrative:
Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.

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 2017-02-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Throughout the course of the last 4 years I have received prepaid Visa Debit Cards as a bonus for purchases I have made. Because I live in XXXX and was unable to use these cards they expired. The total amounts are approximately {$300.00}. I tried contacting the issuer of the cards and was advised that they are unable to extend the expiry and that I was basically out of luck. I am respectfully requesting your assistance. 

Feel free to contact me so I can provide you with the necessary information. 

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 2015-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I Contacted Barclay Bank Credit Card company to report a fraudulent Convenience check associated with my account in the amount of {$4200.00}. I filed a fraud claim and followed through every time they requested payment -- a total of XXXX long phone conversations asking me to be patient with the investigation. In XXXX instance they even sent me a copy of the fraudulent check ( attached ). It has been almost 3 months and I called again after I received another email requesting payment. Barclays claims I did not file a fraud! They say they will file a new fraud claim and are asking me to wait another two weeks before calling again! 
I never requested nor ever used convenience checks from this credit card company.

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 2016-04-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me.

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
IUSE TI GAVE PAYMENT PROTECTION ON MY WALMART CREDIT CARD WHEN I WENT TO LOOK AT MY STATEMENT BECAUSE IM HAVING DIFFICULTY IT HAS BEEN REMOVED WITHOUT MY KNOWLEDGE IS THAT LEGAL?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/XXXX I had called Barclays Credit to see why I have not been accruing points. A very nice person named XXXX told me about an offer where I would be able to obtain a loan from Barclays for {$4000.00} I was told that this process would take 2-3 days and the money would be in my account. This was told to me as an incentive as opposed to a balance transfer since the speed to which I would get my funds would be 2-3 days as opposed to 7-10 business days. I was also told that my APR would be 0 until XX/XX/2016. 
I submitted this request with XXXX on XX/XX/2016 and was told that I was approved and to expect the money in my checking account by the end of the week. This was not the case. I called Barclays several times and was told that I was misinformed and that this is considered a balance transfer and would take 7-10 BUSINESS days not regular days. Im am upset as this is clearly a UDAAP issue as I dont have the funds and there is a hold on my account for {$4000.00}. In addition I was told that my current account would start to accrue apple points and it has not. This is not fair and extremely deceptive. In addition they told me the request was placed on XX/XX/XXXX which is inaccurate.

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 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I opened a bank account with them several years ago. I asked for help by email regarding my account to update and either close it or use it. I have not heard back from them by email or phone as I do recall giving them this information a week ago. That may be why I left them do to lack of communication skills. I never deposited funds in the account that I am aware.

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 2016-03-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.

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 2016-10-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a an Old Navy/Credit for several years prior to canceling it in the XXXX of 2016. The following is a time line of what happened since then : XXXX 2016 - I phoned Old Navy/Synchrony Bank and cancelled my credit card account. I then destroyed my card. 

XXXX 2016 - I received an invoice from Old Navy/Synchrony Bank with fraudulent charges in the amount of {$90.00}, which were charged to the cancelled credit card. I immediately phoned Old Navy/Synchrony Bank reported the fraud and the concern that I had cancelled the card over the winter and that there should have no longer been an account. Old Navy/Synchrony Bank confirmed the fraud would be reported and that the card would be immediately cancelled. I followed up this conversation by mailing a certified letter confirming the cancellation of this account. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that the fraud was being investigated. This confirmation was followed by the issuance of a NEW credit card, which I did not request?! I immediately returned, by certified mail, this card indicated it was not solicited and demanded that they DO NOT ISSUE me a new card. I then received a invoice for charging me the fraudulent fee of {$90.00}, plus {$25.00} late fee, plus {$2.00} in interest!?!? I phoned Old Navy/Synchrony Bank to inquire and Old Navy/Synchrony Bank advised to disregard the invoice at this time as investigation was on going. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that indeed the {$90.00} was found to be fraudulent and that all associated charges and fees would be credited to my account. One week later I received an invoice from Old Navy/Synchrony Bank crediting me the {$90.00}, but still charging me an additional month 's late charge and stating that I now owed them {$53.00} in related fees associated to the fraudulent charge made on a credit card which I several months prior cancelled. I immediately phoned Old Navy/Synchrony Bank and they advised that the statement and findings had not caught up to each other and that I did not owe anything. 

XXXX 2016 - I received a new invoice with an additional month 's interest and OldNavy Visa/SyncBank is claiming I owe them a total of {$80.00}, representing late fees and interest on a fraudulent charge incurred which I had closed several months prior to the fraudulent charge being made. 

I am unable to make telephone calls during business hours week. I have spent weekends, evenings, postage, time and energy in attempting to resolve this matter. I can no longer afford to do so and ask that you assist me in this matter.

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 2016-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank, a debt collector for my Amazon.com Store card, initates calls outside of the XXXX - XXXX time frame, specifically on the weekends. I receive called on the weekends. I receive 4-5 calls daily.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart credit card closed my account stating returned payments. The payments were returned because of an error when we changed banks. All payments were corrected and made on time. Further, my wife also had a Walmart card and hers was reinstated after the same problem.

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 2016-03-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I paid off my Conn 's accounts, ( XXXX account paid on XXXX/XXXX/XXXX, other XXXX accounts paid on XXXX/XXXX/XXXX ) and they are still reflecting a balance to the XXXX major credit reporting agencies. 

I have written Conn 's and they sent me a direct letter back stating they are all paid in full and closed. At the same time I initiated a Dispute with the credit bureaus and they stated that Conn 's verified the balance being correct. 

This is a violation of the FCRA, FACTRA, and FTC guidelines and needs to be addressed. If they are doing this to me ... who else is a victim. 

Please assist me in bringing this company 's practices into the light for the world to see. 

XXXX SEE PAGES XXXX & XXXX to see the balances still showing** **ALSO ATTACHED IS THE LETTER SENT BY CONNS REFLECTING THE PAID STATUS IN XX/XX/XXXX BEFORE THE BUREAUS CONTACTED THEM**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i became XXXX with a XXXX told synchrony bank to activate d XXXX insuramce they did n't answer me! instead they sold the acct to a collection agency this fraud

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