vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I filed a complaint on XXXX/XXXX/15 with the CFPB on Allied Collections in regards to them not honoring a cease and desist to stop calling. The continue to call me, EVEN after I submitted a complaint. They called again today XXXX/XXXX/15 at XXXX. They do not care that they are breaking the law and in violation of the TCPA. I have attached proof that they called me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sold and item on eBay a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy eBay to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with eBay trying to resolve this and explaining my side and had proof. Then they passed the situation on to Paypal, now Paypal is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and eBay would n't stand by me. They told me it was the cost of doing business. Now Paypal is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or Paypal bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on eBay was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the eBay score I had and never had issues like this and they still did n't give me the benefit of the doubt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FACTUAL DATA CORP.
State: WV

Complaint narrative:
I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Was attempting to purchase something using my Paypal account, and was somehow signed up for a Paypal credit card. This was not clearly documented that I was signing up for this as it appeared to me at the time that I was just using my Paypal account linked to XXXX of my credit cards. No qualifying information was asked of myself, such as yearly salary, full social security number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint about Synchrony Bank. On XXXX/XXXX/16 I sent an email cancelling my amazon.com store credit card. Synchrony Bank supplies credit for amazon.com. The email address was found on an email from Synchrony Bank. I supplied my name, the last XXXX digits of my acct, the name of the card, and the reason for cancelling my acct. I also contracted to pay the remaining balance on Wed., XXXX XXXX when I received my social security benefits. I received no reply - no message about the correct way to cancell, no correction to email address, nothing about who I should contact. No message from customer service offering to assist me. No message saying I had to pay prior to the XXXX anyway - I would have gone without my XXXX medication to pay them. I know that the email was received - no error message, no returned emails, etc. After numerous attempts to contact the bank at both the statements and customer service depts ( XXXX, XXXX, XXXX, XXXX, etc ) on XXXX XXXX I went online and found that my acct had not be cancelled and a late fee had been added. I want my amazon.com store credit card acct cancelled. I want the past due charge of {$25.00} dropped. And, I want a guarantee that I will receive no further past due charges while in dispute.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.

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 2015-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: NM

Complaint narrative:
This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have returned items purchased on OldNavy.COM and paid for with the OldNavy Credit Card back in XXXX XXXX. It is now XXXX of XXXX and I am still being charged for the items purchased and returned and authorized to return by their company. I have contacted OldNavy multiple times to no avail and bad customer service, to escalating this to opening a dispute with the OldNavy Credit Card, to no avail. I am still being charged interest, late fees ( now ), and the balance for items return of about {$120.00} more than 6 months ago. They are stealing from me and going to damage my perfect credit if they do not fix this once and for all. I have called both the company and credit card issuer multiple times, and sent in documentation MULTIPLE TIMES to recieve notices in the mail that they closed the dispute or made a mistake and reopened the dispute. Then the website warehouse claims to not have received my return, but then they said they returned my return to me after authorizing it an acceptable return, and I have no package and no items and I 'm still paying for this horrendous experience. Please get my money refunded and place this company on a watch list. This is over SIX MONTHS and 22 phone calls and being treated like GARBAGE by their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have asked them to stop calling me and they call me all day and more than XXXX times an hour

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like 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 explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an existing credit account with Guitar Center, which was originally serviced by XXXX XXXX. On XXXX, 2015 it was announced a new deal with Synchrony Financial was signed. During the months of XXXX, XXXX and XXXX, I received no statements from XXXX XXXX. On XXXX XXXX, 2015 I received a statement from the new provider Synchrony Financial which had XXXX late charges assessed. When I called Synchrony they did offer to remove XXXX late charge, but resisted removing the other stating that fee was not assessed by them but XXXX XXXX. I 'm filing this compliant against both companies to resolve the issue and to remove any blemishes on my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.

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: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. 

https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On or about XXXX 2016, I began receiving collection calls and letters regarding credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuers to close the accounts or remove the charges. At the time I believed contacting them and telling them about the identity theft would end the collection attempts and that my credit report would be amended to reflect this occurrence. Synchrony Bank has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Synchrony Bank will be pursued if all negative information is not removed from my credit report.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After a year of on-time and high value payments on my account. I made a $ XXXX payment to my XXXX credit limit to provide a positive improvement to my credit profile and the bank immediately withdrew my credit limit of the XXXX and lowered my limit to $ XXXX almost instantaneously. This is an ongoing issue that many customers continue to experience with Synchrony Bank which as a result has provided a major negative impact on my credit profile. These activities are malicious in nature and result in sever and negative reports on our credit profiles. I called to understand why this happened and while 90 % of the representatives were off shore, everyone said it is a computerized decision and no credit team can be contacted or reached to further understand this negative action against my credit. I am completely left powerless against this agency and my credit is now further negative impacted by their actions.

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 2016-01-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
My husband and I purchased a bed at XXXX XXXX 3 years ago, with a 3 year interest free loan. We had set up automatic payments, and calculated this to pay off the loan before the three years expired. At some point the loan carried by GE Capital was switched to Synchrony Financial. Without our knowledge or approval during this time our login was changed and the amount per month lowered to {$35.00} the minimum. Last night we received an email that we owed approximately {$2300.00} in interest. This was our first email from Synchrony that showed we still owed money on this loan. In calling Synchrony they were adamant that our login had n't been changed and that the automatic payments hadnt been altered from GE Capital to Synchrony, yet in our case it had. In doing some research I feel as though this type of practice and unyielding, rude telephone customer service may be common within their company.

Company response to consumer: Closed with explanation