vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe XXXX but I do not owe any money to XXXX. same scam happened to me 2 years ago and I accidently sent XXXX to a different company that said I owed XXXX money. spoke to XXXX 2 years ago and they confirmed that I did not owe them any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I purchased a new lawn mower and took our a load with XXXX XXXX XXXX which has is handle by Synchrony Financial. I received a credit card related to this load in XXXX 2015. I attempted on XXXX XXXX 2015 to setup an online account to manage the load and make payments. The account setup did not go well. I called XXXX for assistance with the account. I was told XXXX was having issues with their internet site and to wait a few hours. I did and it still did not work. A few days later I tried to again and was unable to access my account. I called and was told be a supervisor that the E-services team would need to look at it. Since then I have called several times and have been told to wait for a call back. It has been 3 weeks and there is no resolution. I called again today XXXX XXXX 2015 and was told to call back on Monday. This is a loop of lack of service. I 'm am prohibited me from access my account and paying my bill. I have an excellent credit rating and always pay my bills on time and pay my credit cards in full each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My account was sent to XXXX by Synchrony Bank. When the collection agency contacted me I requested for an settlement. After settlement was paid in full XXXX sent back to Synchrony Bank my information stating that the account was paid in full. Synchrony Bank representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from XXXX, stating that my account was paid in full, but I cant get a response from Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Someone opened a charge account in my name-. This was followed by a charge of {$1400.00} at a Walmart in XXXX, DE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested detailed accounting of payments & charges along with an explanation of any charges & how those fees were calculated, copy of original contract with original creditor & documentation on sale of the repossessed car & amount applied to account & copy of repossession papers in connection with a XXXX XXXX account showing up on my credit report.I filed a dispute with TransUnion on XXXX/XXXX/2015, they stated they received a letter that states simply that the account was accurate & then made changes to XXXX dates, there no was verification to prove the account is accurate & valid included with the statement. They did n't even receive verification showing the account is even my account ( no original signed contract with original creditor ). According to FCRA section 611 ( c ) if they did not receive the detailed verification that was requested, showing the account is valid & accurate, they are required to remove it. They did not. They chose only to update the account even though they had not received any verification showing its validity or accuracy. They refused to provide me with a copy of the letter they received from XXXX XXXX. I received no written results of investigation, which I should have received within XXXX days of being notified the investigation had been completed ( on XXXX/XXXX/2015 ), thereby violating FCRA section 611 ( a ) ( 6 ). I spoke with XXXX different representatives ( the XXXX one hung up on me ) & a supervisor, none of them seemed to care that they were violating my rights as a consumer per the FCRA. They offered to dispute again using the same electronic method of dispute, but said if XXXX XXXX did n't respond with the requested verification they still could n't remove the account which is not accurate. FCRA section 611 ( a ) ( 5 ) states that if they are unable to verify the account they are required to remove it. I am filing a complaint about the way my investigation was handled and how they chose to ignore the fact that XXXX XXXX was not able to provide any proof or verifying documents to show the account was valid, accurate or even belonged to me. When I disputed with TransUnion, I also sent a letter to XXXX XXXX disputing the account & requesting verification of all the documents I listed above. As yet they have not responded to my request for verification either. In four days they will be at the 30 day response time as required by law. I do n't expect a response from them because I doubt if they are able to verify any of the information that I requested. I will enclose a copy of the letter sent to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for the credit card through a promotional period where if you purchase things over {$1000.00} you get 12 months 0 % interest financing. The deal also had a 5 % credit back on all amazon purchases. I purchased a laptop for around {$13000.00} which would have built up interest that would be charged to me if I did n't pay it back by 12 months. Since the 5 % credit is nice for purchases made off Amazon, I purchased a few things and then submitted payments to cover them thinking they would be applied to the purchases I made that would have immediate interest charged. I was wrong, the payments I made were applied to the promotional balance instead, so the credit card company was then charging me interest for the purchases I made to receive the 5 % credit. 

When I noticed this I called them directly and asked a customer representative about this and to see why the payments were not being applied to the purchases that would charge me immediate interest. He said all payments go towards the promotional purchase before I can pay the immediate interest payments. I asked him if there was any option to make payments for the immediate interest and he told me no. Very upset, I go on the website and make a big payment and then browse around on it for a little while, but I noticed that their was a section showing that you can choose where to allocate the payments .... This is severely wrong, the customer representative lied to me, told me there were no other options, making me think that I would have to be paying interest until I paid off my laptop. I also feel wronged that the allocated payments were not directed towards the immediate interest payments rather than the deferred interest. 

It is tough to have time to read every single pamphlet/notice credit card companies give you and when employees lie to you about the payment policies that is very shady and the employee should be punished for such a thing. This is one of the reasons american 's are finding themselves in debt. 

On top of that their website is ridiculous and incredibly hard to log on too. They have crazy strict password restrictions, I swear it seems like they do n't want you to be on top of your finances.

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
They have reported on my credit report XXXX accounts that are still open and not showing paid. XXXX for Synchrony Bank/Care Credit and the other for XXXX XXXX XXXX. XXXX have been paid, Care Credit XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Remit Corporation
State: PA

Complaint narrative:
I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I noticed on my statement that I had been assessed a late payment fee. I had paid the payment on the XXXX of XXXX ( the due date ). I called the company to resolve the matter and was told that if I had not paid the payment by XXXX it would be considered late. I also was notified on the phone call that I had been late 30 days twice on this account but they could not tell me when. Specifically asked me to go back through my statements. I got this CC at a time when I was really attempting to get my credit better. I really do n't think I have been 30 days late on any credit card since 2010. I sometimes make XXXX payments a month on this card ( Barclays Card ) I just think it is reprehensible that a bank can charge a late fee because you paid the payment on the agreed payment date but just not the correct time. I think I also noticed my APR increased as well. Plus I have over XXXX XXXX points and I have not received my XXXX rewards cards ( I 'm entitled to XXXX as XXXX XXXX card ).

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.

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 2016-08-06 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: AR

Complaint narrative:
Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left 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 monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.

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 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. thank 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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I applied for credit for XXXX from XXXX XXXX, a division of XXXX Bank! I have perfect credit with no adverse collections, and a perfect history for payment of a car loan timely and paid off, a student loan timely and paid off, and XXXX Bank just approved me for an XXXX Credit Card. They refused my application as when I originally applied there was an inaccurate negative collection with XXXX XXXX, that was removed as the account was paid timely in 2014, before collection. I should be allowed credit with XXXX XXXX today.

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