vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: St John Rossin & Burr, PLLC
State: SC

Complaint narrative:
I am trying to resolve my past due HOA fees as part of the loan modification process with XXXX. When I contacted my HOA I was informed that my account has been placed with a debt collector attorneys firm. When I contacted the attorneys office they stated I needed to pay them either {$200.00} or {$300.00} just for them to tell me how much I owe them. The more I paid them the faster they would provide the information. I find it difficult to believe that this bullying tactic is even legal. It is certainly NOT ethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: SC

Complaint narrative:
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have began receiving credit denials from companies that I have not applied for credit with. Primarily department stores using my name and address. I have contacted the companies directly to file complaints with no resolution at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There was an fraudulent account opened in my name with Synchrony Bank via XXXX. There was no balance and I have already talked to the bank representatives about the matter and they seemed to have corrected the issue but just wanted to keep you all abreast of the situation. If there is anything I can do to erase this bad mark on my record please let me know. I will submit a 7-year credit monitoring service with one of the credit reporting agencies and also I have reported it to my local police department.

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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH

Complaint narrative:
My wife and I bought a house and closed on XXXX/XXXX/XXXX. At the time that we bought the house the taxes per year were {$900.00} a half because there was a tax abatement that we were not made aware of. The title company collected the {$900.00} from the seller XX/XX/XXXX. We have just received our tax bill for XX/XX/XXXX and the bill is {$1500.00}. That is about {$640.00} more than was expected. I called my mortgage company and they have stated that they paid it, but our payment is going to increase by over {$200.00}. I called the title company and they stated that they are not responsible because they based the tax on XX/XX/XXXX. I can understand that the taxes have gone up even though no one has explained the abatement to me, but for me to have to pay the {$650.00} in tax for a time period in which we did not live here is unacceptable. I would like to be advised on what I can do with this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
Hello, I am disputing this bill because it was never submitted to my Dental Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over two years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2015 we sent them a verification letter that we requested validation of the late payment. They never responded. This is direct violation of the FCRA and the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) At this time I will also inform you that XXXX have reported invalidated information to all of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. ONLY XXXX HAs corrected this error

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 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Value City Furniture Synchrony credit card I make all my payments on time in pay more then what the minimum is, the month of XXXX 2015 I checked my credit reports in notice that Value City Furniture/SYNCB was not report my credit info correctly for the last 3 months so I disputed with the credit bureau that the balance is incorrect but Value City Furniture/SYNCB never respond to the bureaus so all XXXX of the credit bureaus deleted Value City Furniture / SYNCB which has impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
my credit at XXXX, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with XXXX and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.

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 2016-10-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : 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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There were XXXX charges for {$590.00} from XXXX on my XXXX cc. I contacted the cc company and they told me they would take care of it. We canceled that Platinum card and I was issued a new Rewards card, but not a Platinum.The charges were reimbursed on my XXXX statement. I received a letter on XXXX XXXX saying the " were unable to accept my claim for the following reasons : 1-cust. benefited from use of card/participated in the purchases ; 2-Cust released acct info to third party and 3-cust. accepts responsibility for the charges. '' I called them that same day and asked for a re-investigation. A lady called me on XXXX XXXX and said they were not going to take care of the charges and the next day ( XXXX ) I recd my bill and there were the charges ( again ) {$590.00}. I DID NOT MAKE THESE CHARGES. I then contacted XXXX and because it was over XXXX days, they would not do anything about it. If I had KNOWN the cc company was going to deny my claim, I would have contacted XXXX. The cc company said " they would take care of it '' so I believed them and let them. Now I am stuck with {$590.00} in charges I did not make. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a payment to my Care Credit account before the payment was due and before I received a statement. To date I still have not received a statement. The service was rendered XXXX/XXXX/XXXX. I set up an online payment account and made a payment of {$200.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I logged into the Care Credit website to make an additional {$200.00} payment. I discovered the system showed a payment of {$25.00} due on XXXX. Care Credit had assessed a late fee of {$25.00}. I called customer service to ask how I could be assessed a late fee when I had made a payment of {$200.00} XXXX. I was told the {$200.00} was not within their payment cycle so it was not recognized. When I asked the customer service representative to explain why my XXXX/XXXX/XXXX payment was not recognized she became frustrated and hung up on me. I called back and spoke with a different representative and explained I just made an additional payment of {$200.00} ( {$400.00} since XXXX/XXXX/XXXX ) even though the minimum payment due was {$25.00}. I was told regardless of that payment, I would still be required to make an additional payment before XXXX XXXX or I would be assessed an additional late fee. This practice is onerous and predatory. I do not understand how making a payment before it is due and for an amount greater than the required minimum could possibly be considered late and subject to a late fee. It would seem to me that any payment made within a cycle would be recognized. I can afford to pay this account in advance but many can only make the minimum payments when due. I ca n't help but wonder how many consumers are being charged these fees despite their responsible attempt to make payments as required. This is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
A call was recieved concerning collecting a debt on behalf of XXXX. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of XXXX. 

I was told I had two hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact XXXX XXXX XXXXNational Credit Adjusters

Company response to consumer: Closed with explanation