vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.

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 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I had applied for mortgage on XXXX/XXXX/16 with Sebonic/Cardinal Financial. They charged my credit card on XXXX/XXXX/16 for {$480.00} as appraisal fee. About one hour after the charge ( same day ), I called and informed them that I am withdrawing my application for mortgage with them so there is no need for appraisal. I also requested that the money charged be credited back to my card, both over the phone and in writing, as an email. They did not credit the money back and today I received property appraisal that was done on XXXX/XXXX/16 despite my withdrawal of the mortgage application at the earliest stage of application. 
following is the company/loan originator information. 
XXXX XXXX | Loan Originator Originator XXXX XXXX Cardinal Financial | Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX | f : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am no longer able to access my Wal Mart online credit card online account. I tried calling the XXXX to get me back into my account. The online message is telling me I am entering incorrect personal information and I know it is correct. When I call the XXXX number it sends me to the collections department. I explain to them I want to go online and pay my bill and see what all the charges are. They tell me they can not access that information and I have to speak to customer service. I ask to be transferred to customer service and was sent back to collections. I explained to the rep that I would like to see my XXXX & XXXX statements but they wont let me because they 've locked me out. The collections rep tried again to reach the customer service dept and then they hung up on me. After XXXX calls I was told to by XXXX in customer service to contact another number XXXX. This was also to a collection agency called XXXX XXXX XXXX XXXX could not help me so she transferred me to her supervisor XXXX and he could not help me. They said they are only responsible for collections. All I want is access to my statements. Why cant they give me access to my statements? I do n't recall ever reading that they could lock me out of my online account. Can you please help me get access to my online account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand 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 monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I recently opened a Barclay credit card for a purchase of an XXXX computer. XXXX automatically directs you to them for financing. My wife also has a bBarclay account. I made a payment on my account on XXXX/XXXX/17 and it was applied to my wifes account in error. Barclay will not correct the mistake or return the {$100.00}. What can I do.

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 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This debt does not belong to me I ver had a card from WALMART

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 2016-05-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your 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 non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.

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 2015-05-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I applied for a PayPal MasterCard and when I received the denial it provided an inaccurate credit score. Their denial stated that my score was XXXX with XXXX when my actual score is XXXX. I monitor my credit with each reporting agency and pay to get my fico score with each bureau. Why would they make up a score for denial purposes? Also the stated I had to many inquiries, before them I only had XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX. I would like the hard inquiry removed from my credit report since they are providing me with inaccuracies regarding my denial, credit report and scores. Only solution is the removal of the hard inquiry.

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 2016-05-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm 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 2016-07-15 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have XXXX savings accounts and XXXX CDs at Synchrony Bank. Interest for all accounts in credited on the XXXX of each month. My account statements also cut off on the XXXX of each month. I view my statements online at the bank 's website, Synchronybank.com. The bank has not been able to produce any statements for the month ended XXXX XXXX, 2016. The activity for individual accounts can be viewed online. The CD accounts show a credit dated XXXX XXXX with the caption " Transfer Int to Acct '' but the amount has not been added to the account balance. There are no entries for the transfer of that interest to my savings account as is the normal process. The bank blames the problem on a new system that is not working. They continue to ask for patience. I have too much money deposited at the bank to continue to be patient.

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: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2015 my bank sent out a check to Old Navy and paid the entire balance of {$1300.00}. The statement was sent from my bank and showed the check number, date cleared, etc ( it cleared on XX/XX/XXXX ). Since the beginning of XXXX, I 've been desperately trying to get this resolved! I 've been given the runaround by both Old Navy AND Sychrony Bank. It had even gone as far as them giving me phone numbers and fax numbers that do n't exist. I have tried faxing my bank statement showing the payment made over XXXX times and have called about XXXX times. Now, I 'm receiving a letter through mail that they are charging me late fees and sending me to collections for non-payment. Please help me! I 'm losing sleep over this because I do n't want my credit to be ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, 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 2015-09-11 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Credit Systems Inc will not remove a debt this is not mine. This item was paid in 2012 and not accurately being reported on the credit repositories and should not be reporting violating the Fair credit debt reporting act for Colorado. They provided a letter in which is a system generated letter advising they would do this but refused to sign as requested as this would validate and make the letter creditable so I can purchase a home. XXXX XXXX Manager, and XXXX XXXX representative for this company refused to sign.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX on the XXXX of XXXX 2015, I applied for a credit card and they said I should call the office. I spent over {$200.00} on clothes, I called the office and I was told I would receive a letter in the mail, called the office today XXXX/XXXX/15 at XXXX spoke with XXXX and said he would have to resend the letter. It was hard to understand the accent, asked if he could resend it I said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a complaint against this debt collector, XXXX XXXX XXXX. They have me listed for an account number XXXX. I requested XXXX times for them to send me more information related to this account and how I could possibly owe {$1600.00}. I recall having a card with Walmart but I know I did not run the balance up so high and I wanted to see if someone stole my identity and was out making charges. They only sent me a final statement or XXXX but nothing breaking down all the charges ( including where and when they were made ). They never sent me any documents relating to me opening the account either. 
In the process of me asking for this information, I must have upset them. Instead of getting me the documents I requested, they served me with a lawsuit. On XX/XX/XXXX they filed a lawsuit against me and I have a court date of XX/XX/XXXX. All I wanted was proof that I owe this debt and that my identity was not stolen and now I have a lawsuit and I do n't have the money to pay for an attorney to represent me. 
I do n't find it to me unreasonable for me to request complete proof of the debt they claim and I find it very unfair they are now treating me this way and they are using bullying tactics. Please make sure they prove to me all the charges belong to me. I want to file for ID Theft protection if I find someone else made these charges. That is all I want. I am afraid it is now too late and I beg you to try your best to get this information for me before my court date. If I sound desperate, I am and I need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
paid bill before I filed Banrupty is should a postive not a negative report want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
my daughter had XXXX on XX/XX/2016. i put the {$1500.00} on carecredit with synchrony bank. the terms were no interest if paid within six months. i set up my bank account bill payer to pay {$250.00} on the first of each month starting XX/XX/2016. i have just received a bill for 5 late payments and interest on the entire amount for {$300.00}. they said i paid outside of the billing cycle and that every payment was late, not early, my billing cycle is the XXXX through the XXXX of each month. so because i was paying on the first, every payment was late, according to them, in my eyes it looks early but they said they can not accept early payments. so they said my initial payment was to just reduce my balance ( is n't that what all payments are for? ), and my second payment should have been paid between the XXXX and the XXXX. i think this is a very unfair practice. i paid the entire amount within the six month promo period and am still being charged {$300.00}, is there anything that can be done??

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 2015-12-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Convergent Outsourcing , Inc has not provided proof of a debt with my signature in which they claim I owe. They are also not licensed in the state of CT to collect such debt.

Company response to consumer: Closed with explanation