vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee. 

Document confirms that the loan date was XX/XX/XXXX. 

As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ". 

As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX. 

Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender. 

As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure. 

XXXX XXXX never had a conversation with me. 

Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default. 

Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ). 

XXXX XXXX is the owner of my loan, the lender. 

XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
An electronic payment of {$140.00} was made to my XXXX account. This payment was sent by mistake to Synchroncy Bank address XXXX XXXX XXXX, XXXX FL, XXXX when it should have gone to XXXX XXXX. The payment was sent XXXX XXXX, 2015 and received XXXX XXXX, 2015. The next month I received a bill from XXXX saying my account was overdue. My XXXX XXXX gave me proof of the payment with a trace number. When this not resolve the issue XXXX XXXX of XXXX XXXX ( XXXX sent around 90 minutes on the phone trying to resolve the issue with no success. After numerous calls to XXXX XXXX, XXXX XXXX XXXX ( XXXX ) arranged a conference call with Synchroncy Bank. At that time we were told there was no way Synchroncy Bank could trace the payment. We were unable to talk to a supervisor even though this was requested. Both XXXX XXXX and XXXX XXXX told me that any bank can check on deposits and they were shocked at the responce we received. Later XXXX sent a Good Faith Letter to Synchroncy Bank verifying that the payment had been made and received. I ended up paying XXXX XXXX {$140.00} to keep my account from being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX REFUSED TO ACTIVATE THE XXXX INSURANCE ACCT AS I AM XXXX AND A SENIOR XXXX. XXXX XXXX CONTACTED A COLLECTION AGENCY! 
IT IS AGAINST THE CONSUMER PRETECTION LAWS

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 2016-11-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX /XX/XX/2016 I purchased credit with Conn 's and obtained XXXX laptop. About XXXX months later I noticed keyboard key sticking. No food or liquids were ever spilled or near the said laptop. So I used a dust buster in early XX/XX/XXXX to possibly remove the problem. Did not help at all. They keyboard eventually went out and I had given prior notice to Conn 's and they gave me instructions on when to take my defective laptop into their XXXX @ XXXX location, where it had been purchased. So, about XX/XX/2016, I took in the laptop for repair. As time passed and no update, I started phoning Conn 's and was eventually informed that the part to repair was the delay. When I asked how long it would take no one knew. Another week passed and no one knew arrival of part. Third week, I demanded to speak to repair XXXX but he would never answer his phones. Again, I contacted Conn 's and requested to speak to corporate office. Only then did I get the answer that it would be XX/XX/2016 before the part would be in. I have already been out of money in having to travel across town XXXX XXXX, Texas XXXX and use another laptop and then having to produce our weekly newsletter, providing ink and such. 
No expediting. XXXX hours before corporate will review my request. I need my data ( documents, videos and pictures ) and a new XXXX laptop immediately. 
XXXX the computer repairman called me this morning, XX/XX/2016 around XXXX a.m. Said part is taking too long and that a new laptop is being requested ; that I should pick up the defective laptop and take it to an XXXX repair shop and have my data transferred and then return defective laptop to him. No. I had requested a full credit. Then Conn 's presented a new laptop. However, it takes time -- too much time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.

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 2015-08-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony issued a Walmart credit card in my name without my knowledge or permission. I received the card on XXXX/XXXX/15 and a bill for purchases on XXXX/XXXX/15 which I did not make. 

I spoke to their fraud investigation department and they did not even require a photo ID or signature to issue the card which was done at a Walmart store and a large purchase was made at te same time. Thats really XXXX security over credit card issuance. 

Further, after I supplied them with every bit of personal info they requested about me they refused to provide me with any info about the purchase or what info was in my bogus file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on XX/XX/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 2015-05-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have tried to make online payments with Synchrony bank and XXXX the payments have not cleared because of their servers. I have have written a letter and sent to XXXX address 's disputing my additional charges and no one will contact me other than debt collectors who say they ca n't do anything about me being charged additional fees even though I have fold them all I have disputed the charges in writing, I have asked to talk to someone who can help and they say I must pay all late fees and it does not matter that I have written letters disputing the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!

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 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day

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 2016-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?

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 2016-02-13 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:
I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. XXXX XXXX mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, XXXX XXXX undated my credit report with the balance and shows XXXX as the date for the update after I made the agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
TJX Rewards ( TJ Maxx ) will only send the monthly statement if unpaid balance reaches over {$100.00}. 
This time, I bought for {$32.00} on XXXX XXXX, 2016 but I received the statement on XXXX. XXXX, 2016 and it shows for about {$60.00} as late fee in total of {$100.00}. 
It looks like to charge a late fee on the credit card statement is their policy, intensionally not sending a statement monthly. 
For me this is the second time, exactly same case happened, XX/XX/XXXX I paid about {$60.00} out of about {$41.00} purchase.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.

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