vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This call is a attempt to collect a debt which i do n't owe, I wrote 2 letters asking for contract bearing my signature, which they did not provide.claim demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited.According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT )

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 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have an agreement in place with XXXX XXXX XXXX ( XXXX ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from XXXX to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. XXXX disclosed the debt to credit bureaus, according to XXXX, to " report payments ''. Due this action, my credit score took a dive of XXXX points. XXXX is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. XXXX, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX/XXXX/XXXX I charged {$500.00} to my carecredit card to have vet work done for my mom 's cat. We took advantage of a 12 month promotion. Pay if off in 12 months and we would n't be charged interest. We budgeted $ XXXX/month for the payments, with the belief that it would be paid off within 11 months. Due to some cat rescue work, I did have to make some additional charges on the card ; however, I kept paying $ XXXX/month with the belief that it would be applied to the oldest charge first, which I believe is part of the new regulations. However, on XXXX/XXXX/XXXX when I was paying my bills, imagine my surprise that the balance showed over {$100.00} on the promotional balance. I called on XXXX/XXXX/XXXX and discovered that for XX/XX/XXXX - XX/XX/XXXX ( as well as possibly earlier ) my payments were only partially applied to the promotional balance. She credited over {$20.00} from each payment ; however, that left me with a {$5.00} balance on the promotional payment. I have paid that as of today and hope to see it cleared tomorrow. However, this does not excuse the fact that Synchrony Bank/Care Credit applied my payments willy-nilly so they would be able to charge the full years ' worth of interest on the entire {$500.00}.

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 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. 
Look elsewhere, trust me you will be happy you did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.

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 2017-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, I noticing a late fee charge of {$35.00} on my monthly statement and an increase of my minimum payment on my line of credit. 
I contacted Lowe 's SYNCHORY BANK. XXXX, XXXX, GA XXXX. 
XXXX XXXX : XXXX, and his Supervisor XXXX. Phone : XXXX I was told by the representative XXXX and his Supervisor XXXX that a late payment was XXXX because the payment which was due on XXXX XXXX, XXXX was received on XXXX XXXX, XXXX. I counter with the fact that ; the earliest available date, offered by my online banking systems on XXXX XXXX XXXX, was XXXX XXXX, XXXX. 
Additionally- The obvious reason for this avail date is, the fact that the payment period was a weekend, a XXXX and government holiday. These facts are supported with the knowledge all these are circumstances beyond my control. I was told by the XXXX 's supervisor key, that this is Lowe 's policy, and while the circumstance merits resending of the late charge. The increase to my monthly minimum balance, ( which I noticed was the same amount as the {$35.00} late fee ) will remain. 
Note : These business predatory financial practiced by XXXX 's financial services, increases client 's minimum payment by 20 % per occurrences. Actions that has the potentially to increase payments by 100 % over year, due to month with holiday and or weekends in their beginning. 
Actions which are evident, in my case, where the current assessment is the XXXX of XXXX predatory acts conducted by Lowe 's on my account. The first XXXX includes a posting of payment made on or about due date 3 days late, and assessing a charge. The second, assessing charges for late payment. When the due date accrued on a weekend. 
In conclusion- Lowe 's conduct is a reminder and reinstatement of practices use by credit card companies in XXXX. Which includes dramatic increase of APR and deviant accessing of late fee on consumers, who are already at their financial limits.

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 2016-10-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However, a few weeks later I received a letter confirming my enrollment in the XXXX XXXX XXXX that charges {$1.00} for every {$100.00} in balance per month. I HAD NEVER SIGNED UP FOR THIS SERVICE and AMAZON and or Synchrony decided to sign me up without my explicit and written consent. 
I have been an amazon customer for 15 years and an amazon prime for over 8 - its rather unusual and flabbergasting to see amazon practice such tactics to nickel and dime their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My wife and I recently applied for a Barclaycard XXXX Credit Card. After receiving letters that Barclay required additional information/verification of information I made phone contact with Barclay. In order to proceed with the applications I need to mail them a copy of our social security cards ( front and back ), driver 's license ( front and back ), bank statements, and a recent utility bill. If this does not raise red flags then I do not know what does. We have excellent credit scores ... above XXXX into XXXX with no creditor issues. When I asked why in this day in age I would want to send this highly sensitive personal information in the mail to complete strangers I was told not to worry as the information would be shredded upon use. That was suppose to ease my fears of identify theft, I guess. This process does not appear to be appropriate when applying for a credit card. Previous contacts with card companies in the past have always provided instant approvals after they checked our finances while holding on the phone. Needless to say we are not moving forward with the applications only because of security concerns of our personal information.

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 2016-07-04 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My XXXX XXXX XXXX XXXX Credit Card was recently changed to a XXXX Card from Barcalycard and I was required to sign a contract with a FORCED ARBITRATION CLAUSE if I wanted the credit card. I sent them a letter asking to opt out and still get the credit card, but never heard back. This violates my rights by blocking me from suing if there 's a dispute. Also, there 's no right of appeal, no public record, no requirement to follow established law. It 's a consumer ripoff! Please stop this and enact rules to end this practice. Thank you. I look forward to hearing from 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 2016-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/XXXX I received pre-stamped court summons from XXXX XXXX XXXX XXXX, court documents signed with a stamp dated XX/XX/XXXX while I was at work. My boyfriend 's son received the unsealed document, exposing the nature of the debt as well as the amount outstanding. I 'm being summoned to appear in court on XX/XX/XXXX and pay the balance in full as well as court costs. 

I have made attempts to settle the balance with the creditor in the past however they have refused my payments. I 'm concerned that my personal information has been exposed.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased goods at Sam 's Club ( Walmart ) on XX/XX/2015 for {$100.00}. It was posted to the Sam 's Club Mastercard the same day. I returned goods totaling {$83.00} onXX/XX/2015. The credit has not posted as of XX/XX/2015. Given it is Friday it wo n't post until next week. The store Manager does not have access to the information but suggests it may take 1-2 weeks to post. By delaying the posting of the credit to my account and thousands, perhaps XXXX of customers, Walmart 's is enjoying XXXX of dollars in " UNDUE ENRICHMENT '' for using someone else 's money. This is unethical, if not illegal, behavior. Consumers are being victimized in several ways : ** Excessive interest charges caused by the delayed posting, most cards charge interest based average balances. Credits are not back dated to day of purchase. 
** Loss of available credit under the line ** Overstates customer 's account balances to credit reporting companies which may adversely impact their credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have had two scam/identity theft related issues to Barclay Card this calendar year. 

1st : My statement on my existing account with the company showed an address change to XXXX XXXX, XXXX XXXX ( I live in XXXX ) That was apparently changed back when I contacted the company. 

2nd : I received a letter trying to open credit card in my name. Reference number XXXX. 

I called it in a week or so ago but apparently someone is trying it again or whomever I called lost the information. 

I want the credit application quashed and better identity controls at Barclay Card 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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. 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 2015-09-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
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 monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I mailed a payment into Lowe's/Synchrony Bank. The bank held my payment until it was a day late causing a {$25.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Bad Customer Service and Withholding of funds due to the mistake in calculations and inexperienced representative ( s ). 
On XX/XX/2017 I provided Proof of HO Insurance to the USAA representative. Same date I was advised that my escrow wil be recalculated and that the check with the amount to pay for the insurance will be sent to the Insurance company. Immediately I contacted the rep and advised that I already paid the full amount for the insurance. Representative advised that the check was issued and they can not stop it and that I will need to get in touch with the insurance company to get my money back. This doubled my mortgage payment and took 60 days and still i have not received anything back. 
I have been in contact with USAA representatives ( at least XXXX different reps ) since XXXX. Every single time i am told that the conversation was recorded and the records to my account were updated to recalculate amount and that i will receive information within 2 weeks. But every single time i called /wrote back, new representative asked the same set of questions and advised that this should be taken care of and will take another 2 week. I also have a string of e-mails reflecting the same. Escrow amount had to be recalculated 4 times because they kept making the same mistake. Once finally amount was recalculated and they figured out what they need to disburse back, the check never came. I was advised that it was issued on XX/XX/2017, but when i reached back on XX/XX/2017 i was advised that they can stop payment on that check and re-issue new one. I font believe that that check was ever sent. Again, the rep. advised it will take -3 business days to cut that check and another day for delivery. It has been over 60 days and no one even bothered to make sure it is prioritized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX, XXXX my husband and I made concurrent purchases on our credit cards XXXX. We made these purchases on a 36 Month promotion plan, as long as these payments are made on time no interest is to be charged to the account. We have made all payments on time. To date my husbands account is charged {$22.00} per month interest. When I contact the bank ( synchrony bank @ XXXX ) they tell us to go to XXXX and talk to them and XXXX has to send them information in order to make this correction. We have been to XXXX 6 different times to no avail ... ... they will tell us the information has been sent to synchrony bank and it will be reflected in our next XXXX3 statements, and it never has been. XXXX however has never discredited the fact that this was purchased on a 36 month promotion and there should be XXXX interest charged to his account. They say they do n't understand why we are still paying interest on a 36 month promotion. When we contact synchrony bank they tell us they have not received this information and again they tell us to go back to XXXX. We as consumers feel it is time for this game to be over. I MADE XXXX LAST ATTEMT TO TRY AND RESOLVE THIS MATTER ON SATURDAY XXXX XXXX, XXXX. I contacted synchrony and spoke with XXXX a supervisor there explained the situation again even going to XXXX 6 times and XXXX said go back to XXXX they are not showing this is account on a promotion. I contacted XXXX by phone @ XXXX and spoke with XXXX ( that is the name I was given ) I explained everything else to her again and I was told someone would call me back ... .well no one ever did.We are tired of playing this game and are certainly not going to loose {$310.00} in bogus interest payments.

Company response to consumer: Closed with explanation