vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: UT

Complaint narrative:
In XXXX of XXXX I was in the hospital, and for some reason the Physician bill did not go through my insurance. The bill was sent to collections, and the collections agency called me in XXXX of XXXX. I contacted the physician office, updated my insurance info, and they successfully processed the payment, and I was told I owe {$0.00} and that they would take the charge back from the collections agency and clear the charges. I was under the impression that I was in the clear. 

Fifteen months later ( XXXX XXXX, XXXX ), the National Service Bureau contacted me to inform me that 1 ) The charges still stand, and 2 ) I have had an outstanding charge in collections accruing interest for over a year with no notice. I went to the trouble of requesting a final bill/receipt from the physician 's office as well as an Explanation of Benefits from my Insurance company, both of which show a zero balance. 

I faxed these documents to the NSB, and then told me to give ten business days for processing. I followed up by calling the NSB on XXXX XXXX, XXXX. They informed me that they talked to " the Client '' ( who they would not specify, but who I assume is the Physician 's office ) and that the charges remain, which is in direct contradiction to my clear proof of zero balance. 

At this point, the charges still remain, the debt collectors have made very lazy attempts to contact me, and my credit score is suffering significantly because of a debt that I do not even owe. I believe their delay in resolving the issue despite clear evidence is intentional, and I have no choice but to file a complaint.

Company response to consumer: Closed
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank Amazon-Synchrony Bank/ Synchrony Amazon/ Synchrony XXXX has placed numerous inquiries on my credit reports ( XXXX, XXXX and XXXX ) . I did not authorize and have no knowledge of these requests for my credit. These inquiries are fraudulent and should be removed from my credit reports. The dates of these inquiries are as follows : Synchrony Bank Amazon XXXX/XXXX/XXXX Synchrony XXXX XXXX XXXX XXXX/XXXX/XXXX Synchrony Bank XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX In XXXX XXXX alone, requests for my credit were done XXXX times of which I was told is an indicator of identity theft. I have not recieved any correspondence from Synchrony Bank in the form of denial or approval letters. These requests for my credit were not authorized 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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank previously GE Retail Bank now is the financing company for Lowe 's, and HH Gregg. I made an unemployment claim back in 2013 to now have Synchrony Bank state that I did not have card coverage. I had both card for more than 20 years. I can not say how terrible this made me feel and how hard this is for this retail giant. I have these account that I paid on time over the years. I now need your assistance I know I was sold the card service to only have these companies report a Collection Balance when this is a Unemployment claim from XXXX that should have paid both these accounts off. Now that they are Synchrony Bank I am told I did not have coverage this can not be true as long as I had these cards. I need your help to investigate and resolve this for 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 2016-01-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have gotten bill/statement for ( dental ) services I did NOT receive. The ONLY ( dental ) work done in XXXX 2015 by XXXX XXXX, was XXXX ( XXXX ) dental XXXX whose price was quoted to me at XXXX dollars ( {$1100.00} ), yet I got a bill/ statement in the amount of XXXX XXXX XXXX dollars ( {$6000.00} ). Not only has my dental condition WORSTENED, I have NOT been able to be seen by another dentist, and my credit has been NEGATIVELY IMPACTED & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got the care credit card before they were owned by syncrony bank. Anyways, we used it because our dental insurance did not work for my husbands treatments. I was not explained that you needed to write in each time or call every time you made a payment in order for it to be going towards the right purchase to be paid off in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a Lowe 's credit card, that I have used for home improvement supplies. I am satisfied with Lowe 's customer service. But who is Synchrony Bank?? My first payment was {$88.00}, which I never saw deducted from my bank account, but was posted on Lowe 's website. I had a message from Synchrony bank that my payment was " returned '', even though I did not write a check, and I did not see it on my bank statement until I went to the store to pay it. This month I paid my due amount on the due date but I do not see it on my bank statement, it was posted on Lowe 's website. I sent a message regarding this silliness. but have not heard back. I asked if I needed to verify my bank information, but have not heard back. After pressing 1, pressing 2, whatever, I did not get to talk to a human. I have a credit card at XXXX, and it apparently my payment was easily done. I tried to call Synchrony to ask where is my Lowe 's payment?, in the cyber vault? I am a XXXX veteran, with a functioning concept of duty, and I have an excellent credit rating. 
I am waiting for a response to my e-mail question. If I could, I would pay the whole thing at Lowe 's and shop there without a credit card. I am going to try to do that. I have no problem with Lowe 's, but Synchrony is too big to care and even respond. My bank is a local bank and has never disappointed me. They seem to care about their customers.

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a XXXX XXXX card, and when XXXX ended its affiliation with XXXX they transferred the accounts to XXXX. I never wanted the new XXXX account, and never activated the card that was sent to me. I contacted XXXX to cancel the account. They could n't help me. I contacted XXXX to try to cancel the account - they informed me that I needed to work with the issuing bank. BarclayCard began placing recurring charges transferred over from my XXXX account each month, even though they were never authorized to do so. More than two months ago I called the credit card company and cancelled the account - although I should not had had to do this, since I never activated the account in the first place. BarclayCard / XXXX completely ignored this and continues to place charges and late fees on the account.

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 2016-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a care credit card, and I called in to make complaints and was basically blown off. They did not want to assist me with any complaints regarding any complaints or anything. I am dissatisfied with a service I was provided. I called in and a rep told me he had too many things in front of him to deal with 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 non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
A company by the name of XXXX XXXX XXXX , XXXX, of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a Synchrony Bank/Belk account was sold to them on XX/XX/2016. I wrote them back that I had never had an account with Belk and had never received any requests for payment from a Synchrony Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or two, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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 mailed per Cardinal Financials website, a PMI removal letter with 1 day old Comps from a local realtor who has sold a few homes in my subdivision in the last 2 months, selling for prices that show my home has over the 25 % equity need to remove PMI. This was mailed XXXX, I never received a response from them, after chatting with an agent of theirs on XX/XX/XXXX, they said I wont be able to remove it without an appraisal from their Very Own appraiser, paid by me, and She advised me that I am not to use my own certified NC appraiser of my choice. No document I signed shows this specific requirement, and I do no trust Their appraiser to have my best interest at heart, and feel this is just another way of keeping PMI on my account use vague tricks that help them make more money from consumers. I live in the XXXX Hottest real estate market in XXXX NC, the comps show a average selling price of over {$81.00} per sq ft, up yp {$100.00} per sq ft, my balance is {$130000.00} i have an extra garage, exceeding the realtime comps, and my home is XXXX sq ft. The math does n't lie, I qualify for PMI removal, but Cardinal Financial doesnt want to remove it. I would appreciate any assistance you can provide in ridding PMI from my loan .. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
i was in need of dental work my credit is not that good so i was offered care credit they gave me the credit, but i only had 12 months to pay it off, every time i had more work done they did not extend the grace period it was added to the bill making it to expensive to pay off. they are crooks i called them they do not care

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 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, 2015 Synchrony Bank/ Walmart contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to XXXX XXXX on XXXX/XXXX/2015 Now Synchony Bank has no record of the transaction that was taken from my bank account. And my balance with XXXX XXXX does not reflect on my account. However my checking account shows that the XXXX dollars was taken by Synchony Bank before the account was sold to XXXX credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Upon looking into licenses to practice in my state and whether everything was current i noticed that telerecovery has a list of businesses listed. But the one that is a debt and collections agency, which is the one that is attempting to collect a debt, has an expired license and it has been expired since XX/XX/2011.Therefore they are not able to collect from me without a valid license.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.

Company response to consumer: Closed with explanation