vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
This is similar to the current XXXX XXXX situation, but with a spin, since instead of opening a new account without your consent, in this case the consumer is duped into opening an account. I tried to buy a vacation package from XXXX ; at checkout, I was offered {$50.00} if I applied and was approved for a XXXX XXXX Credit Card, and used it to pay for the vacation package. I applied and was approved. However, XXXX did not let me use it to pay for the vacation package. I had to purchase the package using another credit card, but they still sent me the new credit card. This is a fraud because the consumer is promised a thing of value, {$50.00}, but then there is a 'bait and switch ' so that to complete the transaction, the consumer does n't actually get what was promised.

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 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This number calls at least ten times a day and when I answer the phone I get immediately hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 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:
Charges were placed on my Care Credit Card by XXXX and XXXX XXXX that had not been sent to the insurance companies provided to them for the dental work done. New Office Manager is trying to clean up the mess left by the old office manager and Care Credit Synchrony Bank will not work with that office or myself on getting this card out of collections and off my credit bureau reports. I am trying to refi my house dropping my interest from 8.5 % to 4.0 % and this is blocking the whole process. Any advice or help would be appreciated. We have offered to make payment to bring the card out of collections but the bank will not listen. The cease and desist letter with attached documents will explain everything. If you have any more questions call me XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 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: OH

Complaint narrative:
I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is 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 2016-12-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase in the old navy store in XXXX. Prior to my purchase I was told that I would receive a certain percentage off. I believe 40 % or 50 % for signing up with their credit card. I made that purchase and saw that I got the percentage off. After I checked my credit report it showed that I had balance on an old navy card of {$80.00}. The remainder of my purchases that I was told I had saved.the representatives did n't tell me that the remainding balanced would be placed on the card. And now I 'm being charged for money that I should 've saved. I 'm a victim of false advertising and misleading a 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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.

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 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I paid my XXXX mortgage payment through the Mortgage Companies website, ( Cardinal Mortgage ) on XX/XX/2016, and noticed on XX/XX/2016 that the funds had not been withdrawn from my bank account. I called a representative from Cardinal on XX/XX/2016 and was told that the payment from XX/XX/XXXX was declined, and was instructed to enter a new payment for the same amount, and assured that the payment would not be duplicated. I told the rep. that I was about to leave the country for a week, and wanted assurance that the payment was taken care of. Upon returning on XX/XX/2016 I noticed that a total of 3 payments were deducted from my checking account resulting in NSF fees of {$70.00}. The mortgage company instructed me to email copies of the statement showing the NSF fees, and they would consider repaying the fees to me after 5 - 30 days. They refuse to acknowledge that the 2nd payment was based on instruction from them, and the 3rd draft was clearly done by then automatically as a retry draft as indicated on my bank statement. I do not fell that I need to wait 5 -30 days to see if they decide to reimburse me for THEIR mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This is a rebuttal to the complaint I had filed ( XXXX ). For the first time I did get a call back from Barclaycard. Their response I felt was unacceptable. I am upset because the merchant had no time limits to use their service for the bids I purchased but Barclaycard said I enough time. How can they make that decision. They still did not offer arbitration or even consider All the items I did pay for with bids and ending purchase price that were never received. Services were not as expected. I do n't think they even tried to resolve this and just made a judgement call because they did not want to take the 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 explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX/XXXX/15 I received the following offer from my Paypal MasterCard : " The choice is yours this holiday season -- Earn a {$25.00} e-gift card when you spend {$75.00} or more with your PayPal Extras MasterCard ( R ) now through XXXX XXXX, 2015. * ( Maximum of XXXX {$25.00} e-gift card can be earned. ) " I activated the offer & charged $ XXXX+ on my credit card the following day. On XXXX/XXXX/15 I contacted their customer support via email asking when I could expect to receive my e-gift card. First they requested that I forward the email to them with the offer, then they requested I copy & paste the offer in an message to them. After 5 back & forth messages, they told me that I had to call their customer support phone number. Each message from them was from a different person, never the same one twice. I call the phone number I was referred to & after more than 30 minutes, I was told that I had to be transferred to someone else. After another XXXX minutes & telling my story again, I was told that the first person should have helped me & was transferred back. At this point, I told the rep to cancel my credit card & not to send me any further correspondence other than resolving this matter. After nearly 45 minutes with the next rep, I was told that because I had cancelled my credit card, I was no longer eligible for this offer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Continuous letters requesting payment of debt not owned by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. 
This EXACT cycle has been continuing weekly for the past 9 weeks!!! 
They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. 
Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. 
THIS IS INCREDIBLY RIDICULOUS AND INEPT. 
I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! 
If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. 


Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. 


The complaint is being handled by the dispute center listed below. Please contact them with any questions. 
XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded

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 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture XXXX XX/XX/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XX/XX/2015 from Synchrony Bank stating that the acct. was charged off and sold XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called XXXX and Synchrony, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after XXXX years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.

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 2016-01-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/2016 XXXX, XXXX, Credit Card XXXX, XXXX XXXX XXXX, XXXX, FL XXXX - XXXX Consumer Financial Protection Bureau Case number - XXXX XXXX Credit Card # XXXX I received your respond on XXXX/XXXX/2016 and I am not happy with your response. 
It 's not a fair enough. On XXXX/XXXX/2016 when I called call center one of your managers Agreed to grant Visa card Credit Line of {$5000.00} Please check your call records .I feel like your bank treated me different way and due to my Race I will like I got discrimination. 
I will requested again please reconsider my request. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I am filing this complaint because ChexSystems has demonstrated some seriously broken " investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch " re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. 

ChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue " police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. 

Having gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a " police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require " re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. 

Details of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.

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 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: GA

Complaint narrative:
Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems reporting fraud from XXXX XXXX XXXX on my accounts were fraud was reported and case number from the FTC dated XX/XX/XXXX. I have tried to fax and mail copies of filed fraud and still no response. Chex Systems took the information from XXXX XXXX XXXX and is unfounded and investigated for fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frost-Arnett Company
State: TX

Complaint narrative:
should have been covered by insurance was told covered and now they have placed it with collections. I have spoken with XXXX clinic to resolve on muliti time and they do not seem to care.

Company response to consumer: Closed with explanation