vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is against Amazon and their contract with the predatory lender, Synchrony Bank. We have an Amazon Store Card through this lender, and I will spare you all of headaches, and get to the one that broke the camel 's back : The technique of lowering and lowering the credit limit, without cause, so that there will be no cushion and, hence, it is possible for them to use their bag of dirty tricks to hit you with multiple fees that generally amount to $ XXXX {$95.00} for a {$20.00} bill. Specifics : We opened an account with a credit limit of {$1200.00}, and being big book buyers, ran it up close to maxed. They would allow us to go over a few cents, then we would be charged steep fees for " over limit, '' they would also claim that they did not receive the payment on time even when we mailed the same day it was received, and so we took care of both of these by making the payment over the phone with electronic debit long before the due date and paying the bill down to {$600.00} so that were be a cushion and they could not say this-or-that-and-so you now have to {$110.00} instead of {$20.00}. So we paid it down to {$500.00}, they simply lowered it to {$500.00}, then to {$400.00}, {$300.00}, {$200.00}. So then I attempted to purchase on Amazon for {$110.00} ; when it did not go through, we were told that are credit limit was now {$110.00}. When? As of the moment I put in an order for {$110.00}. I made another payment, of {$50.00}, so I could get that {$1.00} and put the order through ; it was again rejected and we were again charged a total of {$55.00} for " over limit '' and attempt without funds. When a bank is this dishonest, you know they are doing many other underhanded things to steal from customers. What 's more, a company as wealthy as Amazon should not be contracting with a predatory bank. I have looked elsewhere do to business, but Amazon has it locked. That is something else business should look into -- when there are no viable alternatives, one person is at the mercy of the one Corporation. 
This kind of behavior should and would be bad for business, but when there is no where else to go, they misery of the customer is of no consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have XXXX jobs where I work part time at both. I have went into work with a message that XXXX company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( XXXX company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.

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 2016-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I booked a flight from XXXX to XXXX XXXX, then XXXX XXXX to XXXX and then from XXXX to a resort destination in the XXXX, all through XXXX XXXX. However, because XXXX XXXX is incompetent, my flight, XXXX, never left XXXX at its scheduled time. The flight was eventually cancelled and I was put on another flight eight hours later. This caused me to miss my two connecting flights, XXXX and XXXX. 
No fewer than four XXXX XXXX gate agents ( one in XXXX and XXXX in XXXX XXXX, where the flight had to make an emergency stop ), one customer service agent reached by telephone named " XXXX, '' and XXXX XXXX 's own public relations department, all promised me full refunds of my XXXX XXXX flight because I had missed connecting flights that I had to re-book myself at my own expense. Since I returned stateside, XXXX XXXX has refused to communicate with me about this issue and has in fact sent several demeaning and unprofessional e-mails to me. 

After filing a dispute with Synchrony Bank on XXXX XXXX, I did not hear back from them until XXXX XXXX, informing me that they are denying my dispute. Synchrony Bank had the audacity to claim that they sent multiple letter to me, when in fact they did not communicate with me at all between XXXX XXXX and XXXX XXXX. I then filed a complaint with the CFPB in late XXXX. I just found out that the CFPB for some unknown reason closed my file. I have not heard from Synchrony Bank since XXXX XXXX. I am re-filing this to obtain some sort of communication from the 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 explanation
Consumer complaint received 2016-07-28 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: NY

Complaint narrative:
Synchrony Bank, acting for JCPenney, claims I have an unpaid credit card debt in the amount of {$47.00} from XXXX XXXX, XXXX - that is NOT a typo, it is nearly 14 years ago. 

Over ten years ago I filed for personal bankruptcy ( XXXX XXXX, PA ) ; I believed all outstanding debts were discharged and all credit accounts were closed. 

In XXXX XXXX ( last year ) Synchrony wanted to collect {$360.00} on that old debt. I emailed and said I did not owe it ; I called and spoke to them, saying there had been an error. I heard nothing further from them until last week. They write that they made " attempts '' to collect this amount, sending additional statements with its accruing fees, that in XXXX XXXX they wrote off the new total of {$540.00} " as a loss due to non-receipt of payment. '' Subsequently, they have reported me to Transunion ( and possibly other credit bureaus ) for " serious delinquency '' and " too few accounts paid as agreed. '' They have ruined my budding positive credit. 

I dispute the original amount - and I am livid over the usurious fees arbitrarily added to that amount when they failed in their duty to contact me so I could resolve this issue in a timely manner. 

In all honesty I believe them to be a debt-collection agency with some pretentious notion that styling themselves " bank '' will garner more results. I find this appalling. 

And I 'm none too happy that I 'm having to spend hours of my time to address this, especially since I think the chances of the compounded error ever being corrected are small-to-none. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Conn's, Inc.
State: MS

Complaint narrative:
I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
The collection agencies of XXXX XXXX XXXX XXXX XXXX an affiliate of Kirschenbaum Phillips & Roach, PC,, are garnishing my paycheck for a second time for interest, they alleged, that was never factored into the original garnishment to satisfy a XXXX credit card. I provided proof from my work payroll department that all of the debt had been paid in full from the original garnishment collected from XXXX thru XXXX. They insisted that an interest of $ XXXX still due. In XXXX I received another notice that interest accumulating from XXXX/XXXX/15 would be applied to the account. I want this to desist and Kirschenbaum XXXX., to stop hounding me for interest due upon the interest, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.

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 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO

Complaint narrative:
Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.

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 2015-09-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
After finishing school and relocating, we became a few months behind on our statements with CareCredit/GE Capital Bank due to unemployment. Ultimately, we were past due over {$500.00}. Once stabilized financially, we contacted them several times to work out a payment plan because paying over {$500.00} was too much for us, but we stated to them several times that we were willing to pay back what we owed in smaller more reasonable amounts. They have refused to help us and insisted that we pay back the past due amount immediately. Even after talking to one of their financing specialists, they still stated they were unable to work with us and only referred us to a credit counseling agency. Until then, they told us they would continue to add late charges and interest for missing payments. We feel this is unfair, we have contacted them several times in attempts to make more manageable payments, while they refuse to assist us and continue to increase our past due amount that we are already having trouble paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.

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 2017-02-06 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BARCLAYS BANK DELAWARE reporting to my credit file an account which is not mine.

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 2015-06-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made a payment after I spoke with a customer service representative who informed that my account was active and would not be closed as long as I made the payment. After I made the payment my account was closed.

Company response to consumer: Closed with explanation