vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is correct.

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 2016-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Refinanced some outstanding debt with a home equity loan. One of the debts was a charge account with Lowe 's through Synchrony Bank. My bank sent out a cashier 's check ( number XXXX ) in the amount of {$2700.00} on XXXX XXXX, 2016 and the bank placed a stop payment on the check because Synchrony had not yet received it as of XXXX XXXX, 2016. A second cashier 's check ( number XXXX ) for the same amount was mailed on XXXX XXXX, 2016 and cleared my bank on XXXX XXXX, 2016. This check should have paid off the charge account balance as of the date of the Home Equity, yet Lowe's/Synchrony is claiming to have never received the second check. While at my bank on XXXX XXXX, 2016, Synchrony was contacted and we were told that there would be a resolution within 10-14 business days ; we faxed the representative proof showing that the second cashier 's check had cleared my bank. She confirmed that she received the fax. I have also contacted Synchrony on my own several times and been given the run-around. Not only am I not able to get this cleared up, they are also charging me late fees and most likely reporting my payments as being late. One last comment, after several attempts to correct the spelling of my name on the Lowe 's / Synchrony account they still have it spelled wrong. Although my name is incorrect, the bank put my charge account number on the cashier 's check.

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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.

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 2016-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought a bed in XXXX 2015 and used Synchronicity Bank to finance it. 
In XXXX I had not received anything in the way of a statement from thebank, so I called the mattress store nd they gave me my accountnumber at Synchronicity. I called Synchronicity and gave them mynew address. They told me they would mail the statement to me. 
Weeks passed, and still nothing.I call the mattress store and the manthere said not to worry, that there is a grace period. 
As of yesterday, I still receive nothing. I made a not to callSychronicity. Today, coincidently, they call me and inform me I have alate payment. I told the man I have asked already fo the bill and wasgetting ready to call them again. I paid the open amount XXXX {$440.00} XXXX viadebt card. I also gave my address AGAIN and requested that theysend me statements so I can pay this in a normal fashion. I asked thatthey remov the late charge because I had made a request for bill thatthey never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Siggi LLC
State: VA

Complaint narrative:
I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Purchased a XXXX XXXX bed on XXXX/XXXX/15. Purchase price was {$6900.00}. As part of the transaction, I agreed to 36 months of interest free financing with Synchrony Financial. Because of sales for the product XXXX, XXXX XXXX agreed to reduce the balance to {$5800.00}. Got my first statement for the Synchrony account today and the balance due is {$8800.00}, way more than I agreed to pay when I purchased the bed 30 days ago. I 've reached out to Synchrony and XXXX XXXX with little success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Fraudulent account opened with out my consent and knowledge.

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 2015-05-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a TOYSRUS credit card ending in XXXX. Without notification, my credit line was erroneously reduced, in XXXX 2015, from {$5500.00} to {$1200.00} without any notification. Despite my scores being excellent, this adversely affected my credit and FICO scores, which is completely unacceptable. I am requesting my credit line be reinstated to its previous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Credit Systems Inc petitioned and was granted a Default Writ of Garnishment in XXXX 2016 without proper service. The process server appeared at my residence on a Sunday afternoon and I was not home at the time. I do not know who answered the door because there were guests at the home watching football. No documents were left so I had no knowledge of the upcoming court date. Additionally, I notified the collection agency, in writing, that the debt was being disputed. Ultimately, with the assistance of the Department of Regulatory Agencies, the insurance company reversed the denial of the claim and it was paid in full. A check was issued on XXXX XXXX, 2016. To date, Credit Systems Inc has not refunded the money garnished from my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I applied for this card specifically for a medical/dental issue. However, they are listed on my credit report as revolving credit, not medical, which is inaccurate. The correspondence came from Synchrony bank which I did n't recognize as Care credit so I questioned the validity on the account and was therefore late on my XXXX payment. Now that I know who I am dealing with, I will be making regular payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
someone tried getting credit information and i was unaware of that

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 2016-12-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XXXX XXXX, 2016 Synchrony Bank sent me a letter stating that my application for a credit card from XXXX XXXX had been denied ( see attachment ). Since I never applied for a credit card from XXXX I responded to them stating the I had not applied and to notify the consumer reporting agency they used so as not to negatively affect my credit rating ( see attachment ). On XXXX XXXX, 2016 they sent me a letter explaining why my " application '' had been denied ( see attachment ). 
They never acknowledged that I did not apply for a credit card, nor notify the consumer reporting agency. 
I believe they have attempted to fraudulently seek to provide me with a credit card that I do n't want and never applied for.

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 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Potential sensitive information security breach has occurred in Mercedes-Benz Financial Services ( MBFS ) as I received statements from other MBFS customers and able to open and view those statements which contains details including name, address, account numbers, loan balance, payment due, VIN, car description, etc. I now have access to at least XXXX other customers as each month they sent me statements for different customers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.

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 2015-09-17 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: TX

Complaint narrative:
I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
The CitiGold checking account rewards program has cost me {$64.00} in fees so far and does not deliver its promised benefits. The program promises to provide tens of thousands of XXXX XXXX points, if a customer opens a CitiGold checking account and completes a number of steps such as setting up bill payments online within a few months. I signed up for the offer and opened an account XX/XX/2016. I also went to a local branch to provide my information such as tax record, social security number, etc. to complete account opening process. 

To set up bill payment ( a requirement for receiving the benefits ), I need an online account ; to set up the online account, I need a debit card and a password ; the problem is I have never received the debit card and password for several months and now the required timeline has elapsed. After speaking with customer service XX/XX/XXXX, I did receive a debit card, but the password never arrived. Meanwhile, because there is XXXX balance in my account, I was left with account maintenance and overdraft fees of at least {$64.00} as of XXXX XXXX, 2016. 

Citi 's practice is unfair. I opened the account and was willing to complete the steps required to take advantage of the offer. However, an essential part of what is required - receiving debit card and password - is missing due to Citi 's lack of oversight of its operations. What started as an attractive incentive program ended up in fees on my account and no benefits at all, and there 's nothing I can do to avoid it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR

Complaint narrative:
Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation