vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take 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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had a lowes account since XXXX. I have paid the same date, through my bank since that time. I was charged a late fee on XXXX/XXXX/16 for XXXX, despite having paid well over the minimum requested payment, as I always do. Again, payments are automatically posted on the XXXX ( depending on business day of that month ). 

XXXX in Lowes customer service ( XXXX ) was completely unhelpful or apologetic ; told me I am paying too early and I should be changing my payment to " the XXXX '' to avoid the issue. Again, in 1 years time, this is the first time they have charged me a late fee ... ..

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 2017-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Calls begin at XXXX and do not stop until around XXXX. They now call from an unknown number back to back to back & leave repeated voice mails after each call

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 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Opened an account with syncrony bank made payments. Missed one or two payments in 2014 because of XXXX and after that all my payments made were not bring credited to balance. I 'm a XXXX XXXX vet trying my best to get out of debt syncrony is the only one that 's been reporting delinquency on my credit reports. Tried calling them to settle but to no avail. Please help me resolve this.

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 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank has called me 7 times in one day, for more than one day. I am less than a month behind on ONE payment. This is harassment and is unacceptable.

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 2015-08-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A year ago I financed a small purchase ( about {$430.00} ) through XXXX for interest free for XXXX months. I paid the bill every month through auto-pay through my bank account. The payment was due on the XXXX and was sent by the bank without me actually physically sending it. I get a letter recently saying a payment was not made. I call them to figure what was happening and the person says I have been charged interest because payments were received late. Every month for 12 months they have received payment on either the XXXX or XXXX of every month. 

The company is now trying to charge me over {$300.00} in interest and fees. They said it is their policy to charge interest and fees even if it is 24 hours " late '' because that is the contract I signed. This is strong arming the consumer into paying undue interest and late fees. There should be a grace period, and 24 hours or less is a reprehensible act of consumer fraud. This policy should be reviewed and not allowed. I will not pay almost XXXX % of the original charge in interest/fees. I have near perfect credit, and have never heard of a company that does n't give a grace period, especially when every single payment was received monthly and within the date. I have no control over when the bank sends it out on auto-pay, as a matter of fact I believed the payments were due on XX/XX/XXXX. This is predatory lending at its finest, and some protection is needed for the consumer. I will never do business of any kind with Synchrony Bank ( creditor on the account ). I will warn as many people as possible about this predatory lender.

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 2015-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have not been able XXXX obtain XXXX Refunds XXXX my AMAZON CREDIT CARD XXXX is XXXX {$80.00} for a Jacket that was sent back too XXXX on XXXX/XXXX/2015 and as of this date XXXX/XXXX/2015 no Credit has been issued.The Second is for a pair sticky sandal that were also returned on XXXX/XXXX/2015 to XXXX .I have the XXXX RECEIPTS for the Jacket that was too small and it was lined with Dog Fur I had too pay {$29.00} and file a CUSTOM DECLARATION XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.

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 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately

Company public response: Company 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: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I OPENED UP A CAR CARE CREDIT ACCOUNT APPROX A YEAR AND A HALF AGO I HAD JUST PURCHASED A XXXX NISSAN ROGUE AND PLAN TO USE THE CARD FOR OIL CHANGES AND REGULAR MAINTINENCE, SINCE IT IS A BRAND NEW CAR AND NEEDED NO MAJOR REPAIRS. UPON GOING TO GET THE FIRST OIL CHANGE AT XXXX XXXX WHO WAS LISTED AS A MERCHANT, I WAS DENIED SERVICE AS THEY SAID THEY WERE UNSURE HOW TO PROCESS CARD SINCE IT HAS NO EXPIRATION DATE SO I WAS ENDED UP USING ALTERNATIVE FORM OF PAYMENT. AFTER ATTEMPTING TO USE XXXX XXXX AND ALSO XXXX I ALSO DID NOT HAVE SUCCESS WITH BEING ABLE TO USE MY CAR CARE ONE CARD FOR ANY SERVICE AS BILLING WAS AGAIN AN ISSUE I ALSO HAVE THE HEALTH CARE CREDIT ALSO FROM SYNCHONY BANK AND AND KNOW THAT THE MERCHANTS HAVE TO MANUALLY ENTER THE BILLING INTO A COMPUTER TO PROCESS IT IS A LONG PROCESS WHICH FRUSTRATES MOST VENDORS AND MOST WILL JUST SAY THEY CAN NOT PROCESS PAYMENTS WITH THE CARD. UPON MY 4TH ATTEMPT TO USE MY CAR CARE ONE CARD I FIND OUT THE CARD WAS CLOSED THEY TOLD ME DUE TO INACTIVITY, I SPENT ALMOST AN HOUR ON THE PHONE WITH A REP AND TOLD ME THE MERCHANT SHOULD HAVE KNOWN HOW TO CHARGE THE CARD AND IF NOT THEN THEY COULD HAVE CALLED FOR ASSISTANCE THE ONLY THING THEY WERE WILLING TO DO IS RE ISSUE ME ANOTHER ACCOUNT, WHICH THEY DID AND PROVIDE ME WITH MERCHANTS THAT WERE NOT LISTED ON THE WEBSITE BUT THAT WOULD ACCEPT THE CARD AS PAYMENT WHICH WOULD HAVE BEEN MUCH HELPFUL PRIOR. AS A RESULT OF THEM CLOSING MY ACCOUNT SUDDENLY IT DROPPED MY CREDIT SCORE XXXX POINTS, I SPOKE TO THEM ABOUT REMOVING THE CLOSED ACCOUNT FROM MY FILE, BUT THE ONLY THING THEY WANT TO DO TO ADD A STATEMENT THAT THE ACCOUNT WAS CLOSED DUE TO NON ACTIVITY WHICH WILL BE NO HELP IN RECOVERING MY DROPPED CREDIT SCORE AS A RESULT OF THEM CLOSING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My husband took out a no interest for 12 months credit account to pay for XXXX. The account is with synchrony Financial. They had the wrong address on my husband 's account through no fault of ours and we did not receive a bill for 2 months and was unaware of the wrong address until they called because the account was past due. It was discovered on that call they had the wrong address and sunchrony said they " would reset the clock and take away the late charges '' since it was not our fault. The address on the contract is our correct address. We did receive the first bill in XXXX ( should have been XXXX ) and promptly paid it but noticed that the length of time to pay interest free was not reset and stood at 10 months. We contacted synchrony, on XXXX and they said they would send a letter in 7 days with their decision. Well, we got no letter and when I called today I was told that the request was denied. I spoke originally with " XXXX '', then " XXXX XXXX '' and finally " XXXX - a manager ''. Today when I called I spoke with " XXXX ''. This is unfair. Our contract states 12 months interest free and now we only have 10 months through no fault of our own. This is deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is the XXXX complaint regarding identify fraud put forward concerning Synchrony Bank. Relative to the other XXXX complaints, the Bank simply sends me a letter explaining they are acting properly ; thus, they close the case. For over a year-and-a-half the Bank has continued to make inquiries and establish credit in my name even though they have all the legal records. The last XXXX inquiries were on XXXX/XXXX/16 and XXXX/XXXX/16. Of equal interest is the Bank closed a savings account in my name and has not provided me the information requested. These are my XXXX issues ( 1 ) since they have been formally notified of my identify fraud a year ago, why does the Bank still engage in activity in my name? ( 2 ) What is the savings account about? I am so sure, I am not the only one being harassed by Synchrony Bank.

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 2017-03-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unrecognized charge. Multiple claims to Synchrony bank and XXXX ( that withdrew the money ) to give my money back had no result. They keep the stolen money

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 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Results Unlimited Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Virginia XXXX, used a Writ of Fieri Facias to obtain my bank accounts. They improperly did so, the lawyer 's they hired to go to court for them used the wrong address on the Writ, I was never served and the Writ says " Not Found ''. " Not Found '' was supposed to stop them from going any further at that point. They have since sent me a copy of this via mail at the correct address, even though my correct address has been in the court documents since the beginning. They obtained my bank account information and sent a lien to my bank over a week before the process server date listed on the Lien Notice they sent me. The Lawyer 's say they are only their stand in 's in court and ca n't help. Results Unlimited says they refuse to remove the Lien unless they get {$1500.00} and a payment plan. They violated my due process rights and are committing fraud by holding my bank account with an invalid lien. They committed fraud to my bank by sending them paperwork that said they had a valid lien when in fact they did n't since I was never served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CFS2 Inc.
State: TX

Complaint narrative:
This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am not aware of this debt and do not know how it originated. I have always been in great standing with my cell phone provider. I was a victim of identity theft several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing 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