vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
I received a letter from National Service Bureau stating they were sending a letter to the XXXX asking them to suspend my driver 's license due to an accident in 2014 in which I had no insurance. In reality, I never had an accident in 2014 or at any other time in my 40 year driving history. Further, National Service Bureau provided my driver 's license number and date of birth to the XXXX. When I contacted NSB, they would not release where they obtained my personal information. Now I have received a letter from the XXXX stating that my driver 's license is revoked!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: AZ

Complaint narrative:
this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have a secondary holder on my JC Penny card account and they will no longer allow her to pay the bill in stores on my account. She is XXXX years old and used to be able to take a cab to XXXX to pay the bill in person. They are now refusing to allow her to pay the bill although she was listed as the secondary card holder. She even asked to speak with a supervisor the last time and they still refused. This has now resulted in two recent late payments. One in XXXX and one this month. Why wont they take her money anymore? This is causing an undue hardship on her and me as it affects my credit as she is just a secondary holder on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NVR INC.
State: MD

Complaint narrative:
I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!

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 2015-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Agency Call me two time, First time I was at work Lunch time, He mention that My debt from Old Navy is around the amount of {$1700.00} which is not correct. I ask for a verification of amount of the debt in writing but they refuse. Then, I told them that I ca n't continue the phone conversation since I was at Lunch in my work. Again, they call me on XXXX at XXXX threatened that I own over {$1700.00} and again I indicated that is not the correct amount. He offer a discount so I could agree in that momment to paid the amount of XXXX XXXX something. ( Ca n't remember the correct amount do to his improper way of talking and threatened ). And again I said that I ca n't agree to nothing before the debt amount is verified. They he turn mad and threatened me to sue me and talking to someone in the background that to pass over the file to the Attorney ... 

I never refuse to paid. I also ask for clarification of the amount of the debt and was refuse to me in both phone calls. I 'm a resposible person and I understand that there is a debt that need to be verify the amount because is not the correct amount. I feel dishonor, disrespectfull and since then I ca n't XXXX all the time thinking of the situation of this Collection Agency. I once back on XXXX when I enlisted to the XXXX XXXX XXXX XXXX, I sent a letter asking to settle the outstanding debt but never receive a response back from the Original Agency ( Old Navy ). Now I have this collection agency calling me and threatening me like if I didnt do my part before to resolve the outstanding debt. Back at XXXX If the agency will call or respond me this will not be happening at this moment, not the calling and not the amount that they say I own.

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 2015-07-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I fell behind on my credit card obligation and when I was able to catch up, I initiated contact on or about with the Walmart Credit Card department. I was able to pay the entire late payment and bring the account current with the agreement of the agent that the account would remain open and current. I also agreed to initiate direct payments to keep the account paid as required. After the agent took my bank account information and set up the payments, all parties were stratified. However what actually happen was, they closed my account and charged it off and the money that was for payment was never applied towards the account and remains unaccounted for. I have a bank statement proving the payment was made. The charge-off was never disclosed to me and what was reported to the CRAs are false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I called in on XXXX/XXXX/2016 to make a payment on my QCard in the amount of {$110.00} at that point I was advised by the customer service representative that my credit limit decrease was only temporary due to none payment. I called again and spoke with a supervisor named XXXX who advised that my limit was dropped from {$1000.00} to {$470.00} due to a missed payment. I would like Qcard to raise my credit limit back to {$1000.00} because, the representative advised me per phone conversation on XXXX/XXXX/2016 before taking a payment that the limit would be readjusted. The decrease in credit limit without any notification from QVC caused my credit score to decrease by XXXX causing me financial hardships.

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 2016-08-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Credit card was paid same day as due date I was told I was able to pay it same day and I would n't get late fee it was n't even XXXX yet and late fee was added I 've called to see if there 's anything I can do but they try getting you for anything I really regret getting this credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was making month to month payments with care credit, my last payment was about to be made for close to {$400.00} then i realized that all the deferred interested had carried over, now making my balance close to {$1000.00}. Had I know this information, I would have not signed up for them. I assumed that if the balance was n't paid in full that I would owe the interest on just the balance and not the entire amount. This is very defective and complete theft! XX/XX/2016 INTEREST CHARGE ON PURCHASES Date Posted:XX/XX/2016 {$690.00}

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 monetary relief