vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX of The Counsel Firm in XXXX Ca. He informed me that I had an outstanding balance of XXXX with XXXX XXXX XXXX threw GE Capital and they now own the claim and account. He verified my XXXX and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of XXXX and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken XXXX out of my checking account. He said he did n't have to send me any additional paperwork except for the XXXX pages confirming my payment arrangement. If I owe it I 'll pay however the account is over XXXX years old and I would have sworn I paid it off in XX/XX/XXXX. Is this a legitimate Debt Collection 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 explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit reporting from XXXX in XX/XX/2014 Account # XXXX XXXX and Account XXXX XXXX. I am requesting that they allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/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 monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

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 2016-12-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Cancelled XXXX card ( Barclay Card ) Noticed 2 months later - charge / late notice Charge was made 6 weeks after account closure Charge was fraudulent - and somehow processed by Barclay Card AFTER the account was closed! ) Called each month - Fraud department confirmed charge fraudulent - yet charge/fees still in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.

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 2016-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
call and call and call repeatedly and calling me at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay is reporting that I was 60 days late in XXXX XXXX, brought my account current in XXXX XXXX, then in XXXX XXXX allowed my account to go 150 days delinquent and then brought it current again in XXXX XXXX and they charged off my account in XXXX XXXX. This is inaccurate reporting. My account went delinquent in XXXX XXXX and was never brought current again. This account has been on my credit report for 2 months past the 7 year mark and I want it to be removed per the FCRA 7 year reporting law.

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 2015-07-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Walmart credit card with a {$500.00} dollar limit. I have always paid my bill on time. In XX/XX/2016 they lowered my limit down to {$400.00} dollars without any notice. I thought it was fraud on my account because I did not receive a lettering in the mail, no email not even a phone call. So, I contacted Walmart that 's how i found out my limit was lowered. I ask if they can notify me if this happens again. They did it again in XX/XX/2016. lowered my limit without notice. I was in the store in line paying for my item and my card rejected. I felt so humiliated when my card declined, i had my children with me. I called Walmart and they lowered my limit again without any notice. I never gave Walmart auth. to check my credit report. My credit report has not changed since I had this card. So this is why i am confused as to why they keep lowering my limits without notice. This is also leaving a negative rating on my credit report. I have never paid late on this card. I an not understanding how this can be legal. I am trying to get a loan for starting a new business and this is negatively affecting my credit. Please 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 explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I made a payment on my Conns account XXXX XXXX, 2016. They applied it to the wrong account. The missed a number in the account number. I have sent the receipt to them several times, I have talked to them on the phone regarding this payment about 50 times now. They still do n't have it fixed. They have added several late fees on my account. I had a cash option til XXXX/XXXX/16 which has been taken off due to late payment. They have put it on my credit that I have a missed payment. I have made all my payments on time and every time that I talk to them they issue a problem ticket to the department to fix this. No one that I talk to can fix this and they wont let talk to them. I need this to be fixed and I do n't know what else I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SYNCB/LOWES XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. 
They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was not able to get online to see interest that would be added to my account because when I signed up for the card it chose evil. XXXX came around without any notice from anyone knowing I could not get online and I was having to make payments over the phone a {$200.00} interest rate was added. I feel like customer service should have informed me bacauae I had no other way to be informed of the charge that was goingg to happen,

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 2016-02-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Beginning of XXXX 2016 I received a statement from my Synchrony bank direct tire consumer credit card. I noticed that there were roughly {$800.00} of random charges in XXXX florida. I initiated a dispute in the beginning of XXXX and was advised that it could take up to 60 days to complete a fraud investigation. I reached out on XXXX and through their XXXX number and was told this could not be expedited. I spoke with XXXX @ XXXX and also their XXXX # XXXX. Today XXXX, i called to check on the status and was advised the fraud amounts were cleared -- - no specifics on what transactions were removed. I advised that my minimum balance payment and had been inflated due to these fraudulent charges and should not have been as high as the {$96.00} on a {$1000.00} balance. The fraud rep advise it was nothing she could handle and directed me to collections, with whom i was not able to reach. I located my most recent statement today XXXX and noticed charge on XXXX and XXXX that were also not mine. I called the fraud department and was told that a new investigation would have to be opened and take another 60 days. I was treated like this was my fault that i didnt recognize these charges and fraud rep at synchrony was very rude. He said he spoke to an investigator familiar with my case and said she was aware of the fraud charges and noted my account -- - i asked why an investigation or amended investigation did not take place for which the rep has no answer. I believe synchrony bank fraud controls missed out on these additional fraud charges and they attempted to conceal them from me as they were missed from their prior investigation. I believe Synchrony Bank has very poor fraud investigation continuity and most definitely lack sympathy for victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
Broken lease that was placed on my credit report account with XXXX on or about XX/XX/XXXX for collections in the amount of {$2400.00}, with XXXX XXXX XXXX / XXXX Oringinal Creditor. This debt was scheduled to be continue until XX/XX/XXXX. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service Collection Buerau /XXXX {$2400.00}. reported XX/XX/XXXX,. I tried to contact XXXX XXXX XXXX In XXXX Az. I was told they went out of business in XX/XX/XXXXand were bought by XXXX XXXX XXXX per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
I am aware that i am 5 days laye on a payment, but woth conns home plus if you are even 1 day late they will call you grom multiple numbers up to around 16 times between the hours of XXXX -XXXX even after talkinh with me and when i tell them ive already spoken sith someone that same day they usually become very rude with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with Gap Synchrony Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.

Company response to consumer: Closed with non-monetary relief