vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!

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 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The company calls me from XXXX to XXXX repeatedly non stop. I have told them I lost my Job several times and to take me off robo call. Also they were to relay the message in their notes. They still call me even after I make small payments though i dont have a job. The company also reported negative remarks on my credit even though i have been trying to make payments with no job and am totally compliant. I recently caught up on the payments and the next payment seems to be more than what I owe for the minimum. I payed up and they called me yet again non stop and filled up my cellphone mailbox the very next week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Credit Card Account with Care Credit/Synchrony Bank. I opened the account XX/XX/2014 to get dental work done. In opening the account, payments were supposed to be received on the XXXX of each month. I set up recurring, automatic payments through my bank. These payments were deducted in XXXX increments to pay a minimum of {$100.00} per month- at times I paid more. After speaking to a Care Credit representative, I was unaware that the payments being sent needed to be sent during the " cycles '' - which at times, varied based on the month. It was a challenge even understanding their representative explain this concept. At any rate, I was being charged late fees of {$35.00} each month they " received my payment late '', but I was still sending my payments every two weeks- just out of the " cycle rhythm. '' I did n't realize how excessive these fees became until reviewing my XX/XX/XXXX statement. They totaled over {$200.00}. I called to try to resolve this issue with the disappointing response of " well there 's nothing we can do since it was your error '', or " we can refund XXXX of the late fees, but the others we ca n't do anything about. '' I could understand this response if I 'd not been making any payments, but it was a simple mistake on my part of not understanding the cycle and sending payments a day or two late. I could n't believe that a company as large as Synchrony would n't allow for flexibility with customers such as myself. I feel taken advantage of and vulnerable- when even the representative had a hard time explaining the " cycle ''. They did refund XXXX of the late fees, but {$35.00} did n't come anywhere close to what I 've been charged. I 'm extremely disappointed because I would not have even applied for this card if I did n't " have '' to get some dental work done that was out of my budget. I 'm trying to pay them as promised, but the late fees I feel are unfair and hard earned money that they do not deserve. However you can help to resolve this issue, I 'd greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XXXX XXXX 2016 my Amazon.com account was hacked. The hackers applied for credit using my name. the account was not opened. They proceeded to try XXXX other individuals names XXXX of which worked and they opened an account. When I receive a text message on XXXX XXXX I immediately contacted Amazon. When they told me my account was hacked I filed a police report with the XXXX XXXX XXXX XXXX Sheriff Department. The Amazon rep specifically told me no credit was applied for. It was a week letter when I received a request for additional information from Synchrony Bank in order to open a credit card account that I knew they had pulled my credit report. I have contacted Amazon and Synchrony bank their credit card provider to have the inquiry removed and report the fraud. My last attempt today at XXXX XXXX XXXX is my FIFTH 5th phone call to resolve this isse. Each call has lasted a minimum of 30 minutes.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Rewards checks are mailed out with XXXX statements, and I cancelled my card just after the XXXX statement was paid, so a XXXX statement would still be mailed to me. The credit card company cancelled my rewards for {$180.00} even though they were supposed to be mailed with the XXXX Statement. I spoke with them online, and they said they could reopen the account within 24 hours if I spoke with a manager. I spoke with a manager ( named XXXX ) and she refused to refund the amount or reopen the account. The person I spoke with online ( named XXXX ) said the manager 's decision is beyond her control.

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The complaint that I have is with SYNCB/WALMAR. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/WALMAR. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help 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 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015. 
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB. 
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition. 
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any XXXX from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

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 2015-11-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have credit cards for retailers issued through Synchrony Bank. The cards in question had {$0.00} balances and no late payments. Synchrony took it upon themselves to close XXXX of the accounts and lowered the credit limit on the other. This has really hurt my credit through the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On my birthday i received money to buy a playstation. When looking for a seller i came across a guy who was selling one for XXXX . I sent him money and i waited a week for shipping and then he told me that the money transaction was messed up but it was n't i was confused for a while. Then one day he told me that i was dumb and he already spent my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds.

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 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.

Company response to consumer: Closed with monetary relief