vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.

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 2016-07-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have XXXX Sams Club credit card. I had checked my credit and found that they had added another account. I was told that they opened a new account number and was going to delete the old account. I called twice and was told they would have it deleted from my credit reports. I disputed this duplicate twice with the credit boards and it still remains verified. For instance on XXXX, I have XXXX and XXXX with the same balance and credit line. They are updating these accounts to my credit report but will not delete the duplicate account.

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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I set up my payments to be paid on Lowe 's credit card site. I have XXXX bank accounts to set up for payment. In XXXX and XXXX 2016, I attempted to make a payment that returned because my bank said the correct account number was not presented. I checked the portal and confirmed the correct account info was there. When the payment " returned '' as stated by Lowe 's credit card, I immediately went in the store to pay. I called in to advise what happened and was told that my account was closed and no purchases could be made. I have a XXXX balance and had a XXXX credit limit. When questioned I was advised that my account was closed not for non payment or late payments but because of XXXX returns in 12 months. This is an Unfair and Deceptive Practice. My items were not paid because the were not presented correctly. Now closing my account will affect my Credit Score which is a violation of FCRA due to providing inaccurate information. Lowe 's Credit never disclosed that a credit limit or account will be closed due to an item not being paid. The agent told me that the system automatically closes the account and if I want to reopen I have to reapply. Again another inquiry will drop my credit score. I am very proud that of my credit score and that I pay all my bills on time. This incident will negatively affect my Credit and I did not cause the problem. I could understand the closing of the account if I was delinquent, but I was not. Please also note that I paid my account off in XXXX by paying XXXX in the store which was paid. XXXX and XXXX payment that was not paid due to lowes credit error was a XXXX payments. Please correct my account. If the account will remain closed, delete the trade line. Account Closed by creditor negatively affects a consumers 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 explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
My taxes are escrowed and paid by my mortage servicer. My real estate taxes which are due on XXXX/XXXX/2015 have not been paid. I received a past due notice from the County which I forwarded by email to the tax department of my loan servicer. I also left two messages on their online banking messaging system that have not been responded to. I finally made a call to the company and simply asked for a confirmation email that the taxes would be paid before the past due date and that they would be responsible for any late charges resulting from a late payment. The customer service rep said they could not do that and to " trust them ''. I do n't know if they will pay the taxes on time or not and if they do n't I have no record of my conversation and it will be my word against theirs in any dispute over late charges. Very poor customer service. And are there not standards for the length of time between a request is made and a response is given. I made a request over their online messaging service over two weeks ago and have received no response in writing notwithstanding the following automated message received in response to my inquiry : '' Your message has been submitted successfully and has been referred to the appropriate area for review. We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law '' So what is the time limit required by law?? 

Thanks for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.

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 2015-08-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have XXXX inquiries on my XXXX credit report over a 2 year period from SYNCBPAYPALEXTRAMC XXXX. XXXX XXXX XXXX, Florida XXXX. I have never applied for any credit card through this company. I have called them 4 times to inform them that those inquiries are not mine and asked them to be removed. Each time they promise to remove them and never do. They did put a fraud alert on my account. I have written two letters as well. I received one letter of apology declaring they will remove the inquiries and a second letter stating that they need proof and that the XXXX different credit monitoring programs I use are not proof. They wanted the report directly from the credit bureau. I sent them the exact proof directly from my TransUnion report. Instead of fixing it, on XX/XX/XXXX they added the XXXX inquiry. This has lowered my credit score significantly and is unacceptable as I am going to move soon and can not afford this on my report. These are not mine and I should not be penalized for this SYNC PayPal 's fraudulent practices and lack of a timely solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank constantly closes accounts without first checking with the account holder. My rooms to go card has been cancelled twice since XXXX without even a call to me to see what if anything was wrong. Then when you choose in they have bankers hours as if fraud only occurs during those times. So now i ca n't even get this straightened out because the people are " off ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.

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 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. 

Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. 


Thank you for being a voice of the consumer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX reversed a ligitimate payment on my Barclays credit card on XXXX/XXXX/XXXX totaling {$2100.00}. This payment was authorized by my husband XXXX XXXX on XXXX/XXXX/XXXX after receiving an insurance settlement. We were married and living in the same household on XXXX. XXXX committed adultry and abandoned me financially and i filed for legal separation on XXXX/XXXX/XXXX. My atty. advised me to change my locks, garage doors and security system codes due to I owned the home. I have contacted Barclays on three occassions- customer service, fraud department and customer relations and nothing has been done to help me in this situation. 

I am wanting Barclays to take this reversal off my account and absorbed by their bad debt reserve or take action against XXXX and bring my balance back under my credit limit. I can not afford to pay this or affect my credit score negatively. I have a text message from XXXX XXXX stating that he was well aware of the payment made to this 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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.

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 2015-09-18 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: OK

Complaint narrative:
Conn 's has called me XXXX times today, and at least 3 times every single day.

Company response to consumer: Closed with explanation