vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from XXXX credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XXXX XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is 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
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
this account was originally a open end account lowes credit card and lowes uses GE money bank and was sold to attorney for collection dates where not verified with original credit holder and per the Alabama FCRA this is an open ended account and per statues 6.2.30 and 6.2.37, 3 years is the state of limitations my original confirmation number for this dispute with lowes ge money bank was 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 non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!

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 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.

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 2016-02-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.

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 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a credit card with walmart/ GE Money bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or 2 ago. XXXX ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
I have sent repeated copies of my credit card payment in excess of the amount owed. They continue to reply with a statement not showing the payment and not addressing my proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a {$2500.00} bed from XXXX XXXX XXXX. From the beginning the bed has been defective. It sags, the side of the bed makes you lean to the right, You cannon lay flat as there is a ledge that makes you lean and fall into a hole to the right side. It is broken down. It sucks air when you stand from sitting on the side of the mattress. I have contacted them and they have sent servicemen to my house. The first man said it was bad and they would have to replace. Only to find out that his report said it was fine. He lied. The second time they came out the man measured the bed in the wrong place and would not measure where I told him the problems were. He took pictures of the wrong spot and put that in his report and said it was fine. He lied also. I contacted the XXXX rep. He said the XXXX serviceman should have known not to measure the head of the bed, That he did n't have the proper training and he would get with XXXX XXXX and have them come out and measure again and do it correctly. I just got an E-mail from him saying that he was going with XXXX XXXX 's reports and that the bed is fine. Another liar. I have contact Synchrony Bank who financed the bed through XXXX XXXX and filed a dispute wanting my money back and return the bed. They will not take any photos or information from me either. They said they will contact XXXX XXXX and wait for their reply to make a decision. Again, they will go off the reports they have and take them as correct when they are lies. When the serviceman was at my home I showed him the spots, laid on the mattress to show him how it leaned and where the hole was. He would not even acknowledge my complaints. He said I could turn the mattress. Why would he suggest turning the mattress if there was nothing wrong. I have been trying to sleep in this broken bed and want to return it and get my money back. I ca n't trust this company. They will not stand behind the warranty. I feel XXXX XXXX, XXXX and Synchrony Bank are all together and I have no representation at all. They have taken my money and left me with a defective product. As long as they keep going off the falsified reports I have been a victim of fraud. I desperately need help. Synchrony Bank told me the first time I called that I could not file a dispute and if I did n't pay for the mattress they would hold me liable and damage my credit, plus add on 29 % interest. I called later and demanded that I file a dispute, but they are only going to contact XXXX XXXX and they will be giving them the incorrect reports they filed to avoid taking this mattress back. Again, who is helping me, no representation. Three against one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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:
Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.

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 2015-08-17 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:
They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 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: Perfection Collection
State: GA

Complaint narrative:
The account was originally in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. The account was reported as date opened XXXX and first reported on XXXX. I disputed it on XXXX/XXXXXX/XX/XXXX and the collection account was deleted from my credit report followed by a confirmation letter from the credit bureaus dated XXXX/XXXX/XX/XX/XXXX, they are Reporting old debts as new or re-aged. 
I recently noticed the account was added back but now reported by Perfection Collection and illegally reported as account opened in XXXX and first reported XXXX as well as misstating the balance due. I have done numerous disputes to XXXX and they refuse to update it and tell me contact the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation