vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.

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 2015-08-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.

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 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I agreed to fully pay this old debt and was led to believe if I made the payment, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Debt Amount : {$150.00} Fully paid XX/XX/XXXX2016

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 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As a potential customer at Conn 's HomePlus store ( Located in XXXX XXXX Texas at : XXXX XXXX ; XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ), I was shopping for a new fridge. We were interested in the " in-store '' credit that was going to allow 12 months of interest-free financing. I was very clear that I did not want, nor would I apply for, a credit card. We were still deciding about which fridge to buy, so we decided to continue the process another day. 

I was contacted ( with my permission ) via phone by the sales associate who had been helping us. I was re-assured that there was no way I would be applying for a credit card " because that HAS to be done in person, '' and that we were simply applying for the in-store credit with Conn 's. 

I received a credit card in the mail from Conn 's a couple of weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They continually call me when a payment is a day or XXXX past the payment date. They never send me statements, so I am not updated continuously on my payment due dates. I missed a payment by a few days last time and they called me continually throughout the day and left voicemails while I was busy at work. They announce it as debt collection when they call and not at the company I have the credit card through which is confusing and misleading. Likewise they have begun to charge me interest when it says I am interest free until XXXX, which is a whole separate issue. The people calling record every conversation and have heard me state that I do not receive statements in the mail or electronically via email, so my due dates are continuously a problem.

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 2015-11-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have promotional ( no interest for 6 months ) balances on a Care Credit card. I have paid extra to be sure that the non-promotional balances ( {$120.00} from XXXX/XXXX/2015 ) was paid in full. However, I have been accruing a 'minimum interest charge ' for the non-promotional balance for the last couple months. I did a chat with a representative from the company who reports they applied my payments as required by law. The law states that the highest interest rate needs to be paid off first - all of my charges are at the same interest rate, only the non-promotional charge is actually accruing interest at this time, so it appears my payments should have been applied there first. The representative with whom I chatted reports that she changed the way previous payment ( s ) were applied, but no charges were reversed. I would like to see the charges reversed, if possible, and for the company to not to this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This account is with Gap/SYNCB. I have never opened this account and it has a pay history. I want it removed and they have not. Please have it removed as I am a victim of identity theft.

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 2016-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.

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 2015-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had to cancel my Banana Republic Card due to freud charges. I forgot to update my online payment through my bank and paid on my old account. Because of this, Synchrony Bank has been calling my none stop about not paying my bill. I have called them several times and they told me it takes 15-20 days to transfer my payment from my old account to my new account! They froze my CC and I ca n't even use it! I have a copy of my bank statement which shows I even paid them and the payment was on time. They wo n't unlock my CC until my payment has been transfered. I even made another payment and because they have n't posted it yet, they still wo n't unlock my CC. I even made an early payment the month before and they charged me a late fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Financial checked my credit without my authorization. On XX/XX/2017, I sent them a letter on requesting they remove it. Their response was to send them a current copy of my credit report and they will contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this issue.

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 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.

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 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against Synchrony Bank for an American Eagle credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from Synchrony Bank stating:1. That this debt was discharged by Synchrony Bank. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a XXXX XXXX , XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that XXXX XXXX , XXXX had not been notified of the decision by Synchrony Bank. When I received the letter dated XX/XX/XXXX, I can only assume that XXXX XXXX is illegally collecting on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On the morning of XXXX XXXX, 2016 I was alearted to charges on my Sams Club XXXX issued thru Synchrony Bank that I did not authorize. At this time I am unsure what other personal informaiton has been put at risk.

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 2015-11-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Walmart/synchrony bank account XXXX. Opened XXXX. My acct was closed on XXXX 2011 because it was delinquent then in XXXX I set up a payment plan of XXXX payments of {$100.00} every two weeks to pay off my credit card debt. My credit reflects that the account was charged off and sold to a collection agency. This debt was paid in full and should have revered been sent to a collection agency. This account is reporting inaccurate information and I would like it to be removed from all XXXX credit reports. I will follow up with a complaint to the Florida XXXX and the Florida office XXXX for a complete investigations and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made the mistake of opening a Lowes credit card and it has been a nightmare ever since. They charged me late fees on items that were NEVER PICKED UP and Lowes was notified that I was canceling the order and now they are reporting that my account is XXXX days late? I used this card ONCE and it will NOT GO AWAY. They started me out with a {$500.00} limit and because I had not noticed that the inept people at LOWES did not process a return when they should have they reduced my limit to {$100.00} further damaging my credit. I do not owe late fees for a balance resulting from RETURNED items.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.

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 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Unauthorized hard inquiries by barley bank and XXXX I made no applications to either of these need them removed lost XXXX points on my score.

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