vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.

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 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I have submitted this complaint on my behalf. I initially obtained a " loan rate lock '' in XXXX 2016 which was to expire in XXXX 2016. The loan did no close, even after extensions of the rate lock and the closing hard scheduled by the XXXX ( Sebonic Financial, Cardinal Financial and XXXX entity ( ies ) ). The extensions where necessary because the " XXXX XXXX XXXX '' made late requests for information which had either already been supplied, or which was of no substantive significance to the loan or completion of closing. I believe these that these belated requests and ultimate failure to close the loan were intentional, to allow for the imposition of additional fees and/or a higher rate of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
Car was a lemon and was returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.

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 2017-02-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial 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 2017-02-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I 'm listed as an auth user on this account, I did n't request that. Would like to be removed

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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on my last billing statement. When I called to ask why I was being charged interest, I was told I should register with online banking so i could see my purchases and know if a payment was required before the billing date. The customer service representative said all credit card companies have this same policy, which is not true. I have no interest in registering with online banking with this company. I think they are dishonest and plan on closing my account once my balance is paid off. I think this is just a scam to get money from innocent customers. I looked at my bill and no where on it does it say the amount must be paid 25 days from the date of purchase. I used to respect this company, but I do n't anymore because of their deceptive practices.

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 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I have already settled this debt and paid both of my derogatory hits last year. Both are from the same company. They also said it would take about 30 to 60 days for it to reflect off of my credit report. I am looking on my credit report and it is still showing on my report as a debt not collected.

Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A few months prior, I had major XXXX to remove XXXX from a XXXX. During this time, I missed XXXX payment on XXXX of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is a couple dollars above the credit balance which in turn effects utilization ratios to appear that the card has been maxed out. When the utilization is within a few dollars of the limit, the action affects the individuals credit score dropping it drastically. If a consumer is unfortunate enough to have multiple cards with this particular lender, they are ALL decreased to dollars above any balance whether or not you have had unforeseen circumstances that result in a late payment on them or not. This action was taken on my cards with this provider that had no late payment during the XXXX time frame as well as the XXXX I mentioned earlier. When i called Synchrony today, i was given non useful information on appealing or disputing a credit report listing. It was not applicable with this credit line as it was XXXX that was not impacted with a late payment. The representative then advised me that Synchrony does regular credit report checks on card holders, etc. I know that not to be the case however until the recent events that affected my payments came to light. I am very aware that businesses have to protect their bottom lines, it just seems that everything done is at the worst possible outcome for the consumer. They are very willing to open multiple accounts and charge higher interest rates for their store branded issues because it is in their interest of profit. When they took over my GE accounts, they even just dropped the card security feature without my knowledge. When I called a few weeks back the representative confirmed it dropped off when account changed over. Never any help with how it could be rectified, just an apology and a credit for a late charge. They even offered to remove late payment report, I have yet to confirm it however. Despite all that has happened with the late payment and reporting, the worst and most harmful has been this banks systematic approach to decreasing my score by maxing out every trade line i have with them. None of my other creditors have done what this bank has done to me. This is not a type of company i nor any other consumer should want to do business with.

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 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I opened a Sam 's club credit card when a clerk told that me I would " Receive {$45.00} off Instantly '' if I made a {$100.00} purchase the day I opened the account. There were signs all over the store adversiting this offer. When i received my statement the {$45.00} was not deducted. I called XXXX and was told that I was given wrong information. The credit would not appear for 2 or 3 months. I said I wanted to pay the balance, but I would deduct the {$45.00} dollars. I was told I would be charged interest.

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 2016-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
ive asked to please stop calling that i am working with a company for debt relief but they constantly do not stop, they start as early as XXXX and some times nearly XXXX even on sundays

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 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be 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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.

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 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
We applied for a cash-out refinance with XXXX to get out of an ARM with a balance of $ XXXX, consolidate a XXXX mortgage of $ XXXX, and pay off debt. Specifically, I requested a full 80 % of the appraised value, which my husband and I estimated to be approximately $ XXXX. The initial paperwork we signed showed the mortgage value of $ XXXX associated with an $ XXXX value We spent {$520.00} on an appraisal and two months of underwriting. The appraisal came out to be less than expected - $ XXXX. As a result, the underwriter backed out stating our Debt-to-Income Ratio was too high to take out 80 %. In order to take out 80 %, we needed a D/I ratio of 35 %. However, neither our debt position or income earned had changed. It had always been around 38 %, when considering the mortgage balance, student loans and auto loan that would remain after the refinance. If anything, by refinancing a lesser amount, our debt position would be reduced. 

We were deceived. We should have been told up front by the mortgage officer, XXXX XXXX, and the documentation should have reflected a mortgage of 75 % of the appraised value.

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 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.

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 2015-10-28 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Collection Technology Incorporated
State: TX

Complaint narrative:
My student loans are with a company called XXXX and XXXX XXXX whom I am on a forbearance XXXX. I started working on my credit. My credit report last month showed XXXX XXXX XXXX reported me XX/XX/XXXX Delinquent. I thought that was weird because my loan has not been with them XX/XX/XXXX. It was transferred to another agency. Then two weeks ago I get a letter XXXX. I opened it and it did not have the date they sent the letter to me. Instead it shows a pay due date XX/XX/XXXX and a total balance XX/XX/XXXX. Then they provided an email address that shows XXXX. So I go to that website and XXXX it routes me to a website XXXX. Red flags go up immediately. Then I googled the number they provided XXXX. The number showed up for Collection Technology Inc. This is the company which XXXX XXXX sent my loan to when I defaulted XX/XX/XXXX. They set me up on a program where I paid for a Year straight and my loan was sent back to regular servicing after the rehabilitation program was completed. I do n't understand why four years later they start reporting me negatively on my credit and start sending me bills. My loans are not with them. They are trying to collect on loans that are not with them and reporting me. I work in mortgage and I am trained very well on FDCPA laws. This is a major violation. They are acting and sending letters under the XXXX XXXX XXXX XXXX name. They provided a website like it was a government website but instead it routed to their website and worst of all reporting negatively on my credit for a loan they do not have. I will take whatever route needed because this company is hurting me and violating FDCPA. I am a single parent who is trying to get a mortgage loan and this company is hurting my credit reporting on a debt they do not have. I will take whatever legal action needed to get this resolved.

Company response to consumer: Closed
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.

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 2015-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Northland Group Inc
State: AK

Complaint narrative:
I have called a few weeks ago about a phone call I received from a collection agency that was claiming I owed money. However, I did not recognize the debt mentioned, neither they have all my personal information. Now, I received a letter from Northland Group Inc, claiming XXXX from XXXX account. Reference # XXXX. They included a claim of XXXX XXXX, XXXX account, which I do not recognize either. I am not sure what this letter is about, but I do not ( and have not ) hold an account with this XXXX group ever before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Certegy Check Services wo n't approve or accept any of personal checks for payment of services or products due to my personal information being used fraudulently. I have sent numerous letters and police reports to Certegy Check Services informing them someone used my personal information and stole my identity to write checks in my name. I am a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation