vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.

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 2015-07-31 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: CO

Complaint narrative:
My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over {$1000.00}, but only reporting to XXXX credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed.

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 2016-01-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went on the XXXX XXXX credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " XXXX XXXX Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have XXXX other XXXX XXXX XXXX. I have ones that send email statements and I have ones that send physical statements. I called XXXX XXXX last night as asked to speak to a manager. I was transferred to an escalations representative. He obviously was having a bad day or he just was n't interested in talking. He was very defensive in his tone and when I explained that I had n't received statements or calls, his response to me was that the statements are courtesy and are not needed to make the payment. For me, they are a reminder that the payment is due - as it is for most consumers. He said that I enrolled in the electronic statements and was advised again today I was since XXXX 2015. I have n't received them. I get confirmation emails when I make my payments, but not the actual statements. When I asked why I have n't received a phone call he said that it was n't necessary to call the customer when they are delinquent. I used to work as a collections rep, that is incorrect - especially if they are more than 2 moonths past due. I called and spoke to XXXX, another escalations rep even though I asked to speak to a supervisor, reviewed my information and advised everything is correct. She also stated that phone calls were placed. I asked for the phone number they would be calling from. I also advised that I have n't received calls or voicemails. I find it interesting that of all the accounts I have with XXXX Bank, this is the only XXXX I amhaving issues with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other 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 monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Time Share forcing in signing contract an not letting us to recede. 
Everything pertaining sent back as certified which all copies of letters were copied. Because the letter was post marked late which was not even 24 hours there not canceling the contract. 
XXXX companys are not responsive in returning calls or letters, or faxes. 
Yesterday XXXX/XXXX/16 the Bank is refusing the Recession we 're held responsible for contract payments. 
Asked if company 's requesting in canceling as the reply was No. 
Explained that we 're not paying as I done everything they asked to support this case, XXXX company 's were sent letters, fax 's, and e mails. 
Asked Barclay being the 3rd party if they could help in the matter, and refused! 
Both have opened case # referencing above. 
Pretty much feel like being forced in doing something of which we had on intensions of doing, and while were XXXX XXXX XXXX and on SS we were XXXX victimized.

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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
re CFPB CASE NUMBER XXXX I RECENTLY CLOSED A BP VISA CREDIT CARD ACCOUNT AND FILED THE ABOVE REFERENCE CLAIM WITH THE CFPB. I RECENTLY RECEIVED A FORM LETTER FROM SYNCHRONY BANK WHICH I ASSUME THEY SEND TO PLACATE THE CFPB. IN THAT LETTER THEY STATED THAT THEY DID NOT RECEIVE A FINAL SETTLEMENT PAYMENT OF {$1900.00} AS OF XXXX XXXX, 2016. I MADE THAT PAYMENT BY CHECK ON XXXX XXXX, 2016 -- THE DAY I CLOSED THE ACCOUNT. MY CHECKING ACCOUNT WAS DEBITED FOR THE AMOUNT ON XXXX XXXX, 2016. YET SYNCHRONY BANK SAYS THEY STILL HAD NOT RECEIVED THE PAYMENT AS OF XXXX XXXX, 2016. THYE ARE OBVIOUSLY RUNNING A SCAM TO RUN UP LATE FEE CHARGES. I WILL BE SENDING ALL SUPPORTING DOCUMENTATION TO SENATOR XXXX XXXX SO SHE UNDERSTANDS WHAT THIS BANK IS STILL DOING TO CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We use a Synchrony Bank Lowes credit card for purchases. They offer us a promotional no interest payment option for 6 months on purchases over {$290.00}. However, payment is required, like any normal credit card on purchases that are less than {$290.00}. 

On the statement, there is nowhere to determine how much our payment should be to the bank, in order to not pay any interest on the non promotional purchases. The only payment information they show us on the statement is the full statement balance, which included the promotional purchases, and the minimum payment, which is {$25.00}. 

I would like to know the amount that I need to pay in order to not pay any interest, or receive any other fees for late payments. Also, this information should be made readily available on every single statement, as it is currently deceiving to only show the minimum payment and full statement balance. 

For example, if I purchased {$500.00} on a 6 month non-interest promotional plan, and then purchased another {$200.00} as a regular purchase, the amount needed to pay off the credit card to avoid late penalties would be simply {$200.00} for month 1. If that amount was not paid in full in month 1, then it would include interest charges plus the amount not paid in month 2. 

There is nowhere on the statement that shows what that {$200.00} balance is. 

I have contacted customer representatives twice, but they do not understand what we are asking, and do not fully give us an answer .... It seems like they may even be intentionally deceiving us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available. 
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}. 
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years. 
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue. 
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount.

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 2017-04-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2013, my ex-wife asked Capital One to withdrew money from my saving account to pay the mortgage from Capital One. 
It is my saving account and it is not a joint account. 
I did not understand why did the bank follow her instruction without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2016 I purchased an XXXX computer at XXXX. By XXXX XXXX, the " new '' computer ceased to function. I took it to a computer shop & was advised to return it to the manufacturer. By XXXX XXXX, XXXX sent a XXXX return shipping label. The manufacturer 's paperwork states they revived it on XXXX/XXXX/16, " repllaced [ the ] motherboard '' & shipped it out on XXXX/XXXX/16. The " new '' ly repaired device did n't get to me until after the 2016 XXXX XXXX weekend. From the second week of XXXX 2016 until XXXX/XXXX/16 at least service tech calls were made to XXXX XXXX XXXX while trying to sign on to XXXX. On XXXX/XXXX/16 an XXXX XXXX XXXX Support Tech tpld me " the problem is your computer '' On XXXX, I requestd Capital One to chargeback this purchase after XXXX told me I had gone past their return deadline. On XXXX/XXXX/16 Capital One reapplied my purchase amount. On XXXX/XXXX/16, with no explanation as to why, they changed their mind. On XXXX/XXXX/16 I had to purchase another computer. Total Cost : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX reported my credit card ending in XXXX as 30 days late for XXXX 2016. I made my payment using the app. They had just upgraded the app with new features. I added a new bank account and made my payment using the new app. They called me a few days later telling me that my payment was returned. I told them that this was not possible. I asked which account did they use they advised of my old bank account. I explained to them that I added a new account. I explained that it must have been an error with the app. I made a new payment and was assured that I would not have a problem. I just checked my credit and they reported me 30 days late. I plan to litagate this matter. I closed all of my accounts with them. The agent I spoke with tonight admitted that he could see the mistake, however after he spoke with a supervisor he came back and said he could no longer get the item corrected and that I had to do a dispute. His supervisor advised him that my account is reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Credit Card Company has wrongfully placed " Account in Dispute '' Flags, in XXXX places on my credit report. 
The subject Mastercard Credit Card from Capital One is no longer in use. The card has been destroyed. 
Date of last usage of credit card : XXXX ( more than 8 years ago!!! ) Balance Owing : XXXX Amount Past Due : XXXX Payment Due : XXXX I contacted Capital One Credit Card Company by phone and demanded removal of " Account in Dispute '' Flags. Multiple Capital One representatives told me that they have No financial records under my name and social security number. Despite this, they have not removed the " Account in Dispute '' Flags from my credit report. The subject wrongful " Account in Dispute '' Flags from Capital One are preventing my application for home mortgage refinancing from being approved. I demand immediate removal by Capital One of the wrongful " Account in Dispute '' Flags from my credit report. I further demand that Capital One be assessed a {$500.00} punitive fine for their wrongful actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a credit card with Orchard Bank and Capital One acquired them, I was never notified of this information I found out by calling. At no time did I receive a new card and agreement from Capital One, in most instances you have the option of opting out and closing your account, I was never given this option. I had a service on my card as well from Orchard Bank because I have a serious illness that causes me to have high medical expenses. I have contacted Capital One several times to get some answers and on a few occasions I received a call back from XXXX to whom left me a contact number, pin and extension and the contact number is always busy or just continuously rings. i have asked for a new contact agreement regarding terms and conditions and a card due in fact I do n't have a new credit card from Capital One and the card I have is from Orchard Bank has expired quite a while ago, therefore any new fees or interest rates that have changed, I never agreed upon and have no knowledge of, therefore I do not owe this debt. I am aware Capital One has unsavory business tactics to include security breaches and sub-par treatment of customers not being up front about the lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. 
XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.

Company response to consumer: Closed with explanation