vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.

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 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. 
the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. 
How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. 
After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. 
I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. 
my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by 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 2015-04-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have not been able to access the " reconsideration '' department for the Paypal Extras Mastercard, as Paypal has automated the process. 
I am trying to get rid of all connections to traditional banks, and move all of my financial products online. I really liked the way the Paypal Extras Mastercard was set up, and applied for it. Paypal 's automated system declined me for any amount, which I feel was unjustified so I attempted to reach a " real life '' credit analyst so I could review the application with them. Paypal did not have any way of reaching this person through traditional means, therefore I attempting to use the CFPB to have Paypal 's Executive Team look at my account and reconsider the card. I have XXXX accounts with Paypal : My business ( XXXXXXXXXXXX ) and personal ( XXXXXXXXXXXX ) I have a Paypal Credit account tied to my personal account that has been in good standing and paid off on time every month. I also have a XXXX Credit Card and XXXX credit card that have been paid on time each month. I had some issues with my student loans a little while back, however I created a settlement two years ago, and have been paying them faithfully on time each month for the past two years, and any " human '' analyst would be able to see that all past issues have been fully resolved. I am looking to transition from my XXXX XXXX XXXX, to the Paypal Extras Mastercard because I want to get rid of all traditional banking and only use " online banks '' as I trust their technology more than I trust the big banks. I was hoping to get approved for {$3000.00} as that would allow me to be able to spend for my everyday expenses of about {$1000.00} per month, as well as have {$2000.00} for any emergencies that may come up. I have a salary of {$43000.00}, which is more than enough to ensure that I will pay off my balances each month. I ask Paypal to review my XXXX Credit history to see that I have continuously paid you back on time, and will continue to do so. Please re-review my application, and change my status to approved, so I can continue to use Paypal 's awesome banking servicesAccount ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc.
State: TX

Complaint narrative:
I acquired some assets of a company, but not the entire company. Some debt collectors have attempted to collect debt belonging to that company, but have backed off as soon as they 've heard that I did not acquire the company. That has not been the case with Access Receivables. Yesterday I received 2 calls after explaining the issue to a XXXX XXXX at that company. Today he has called 12 times so far and it 's not quite XXXX. He has yelled at me multiple times and will not stop calling, even after I told him he was harassing 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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Pep boys XXXX has not increase my credit line Makes it tough to use the card in fear of maxing out credit limit

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 2015-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank calls and hangs up repeatedly everyday several times a day. I had a care credit account with them, which has since been paid off. I filed a previous complaint before because of the same tactics. Complaint # XXXX. 

Have no idea why they continue to call. I called them about 2 weeks ago and told them to close the account and purge all of my personnal information from their system, that I never wanted to hear from them again. Now the calls have started again. I need help, this company is harrassing for no reason. They have been asked to stop and purge my info. The recorded the call when I asked them to stop, I told the person that I was talking to, to make sure that management heard the recording. Obviously that did not work. What can I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have a Barclays XXXX Card with XXXX rewards. At the end of XXXX 2015, I called and made a payment and informed them that the next payment would be for {$2000.00} at the end of XXXX. I called at the end of XXXX to make that payment and they refused several times to accept that payment. They then informed me that I could only pay with an XXXX Bank account. On XXXX XXXX 2015, when those funds were transferred I made a {$2000.00} payment. I then noticed several days later that the credit limit had decreased by {$1500.00} XXXX 75 % ). When I called and inquired about this they informed me that due to financial stress, the credit limit had been decreased. However, this did not align with the information from my credit report and my previous dealings with them. In the past, I called and informed them when I would be making a payment and for how much. At all the stages during my relationship with the customer services representatives, I informed them of what was going on. Upon having this conversation with Barclays customer service, they informed me that due to financial stress the credit limit had been lowered. However, the {$2000.00} payment was the entirety of the balance of the card ( except for {$76.00} XXXX and there was never a payment that was more than 10 days late. If it was late, I always called and informed Barclays that they payment would be made on a certain day upon me getting a paycheck. Never was the payment more than 30 days late and never was a late payment reported to the credit bureaus. The credit reports actually indicated that the card was in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclaycard does not credit XXXX online payments when they are received. For a year prior to XX/XX/2016, all my payments were credited when received. Since XX/XX/2016, Barclays has not credited the payments until days after receipt, which generates interest and late charges on top of interest and late charges. ( Please note that I always pay-off the entire balance every month. ) I have written twice, phoned 3 times, had three ( 3 ) separate email conversations with customer service and sent the required copies of Peoples payment details evidencing on time payments. Some fees were credited then reinstated. My overpayment on XX/XX/2016 is not considered by them to be an overpayment. Their latest claim is that they have never received the Peoples evidence for XX/XX/2016, yet they acknowledge they received my second XX/XX/2016 letter containing that evidence. I have over XXXX hard copy pages of documentation to prove I do n't owe them any late fees or interest but their customer service will not give me the name of a supervisor or look at the account in totality back to XX/XX/XXXX. I have a letter from Barclays stating that the matter was resolved and all fees rebated, but that is not the reality per their customer service. The credit card Customer service is impossible to deal 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 monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Applied for a lowes credit card on XXXX XXXX 2015 and was not approved online. I filed a complaint with the XXXX against Lowes and was contacted by Lowes executive department. They said that they would contact the bank and said that synchrony would contact me within 30 days. Nearly a month passed by and I heard nothing I was supposed to get a response from lowes in regards to my credit application within 7-10 days but I did not hear anything from them until the XXXX of XXXX. They declined my application but the issue was that it to them more than 2 weeks just to tell me that. And the biggest issue here is that when the denied me they provided me with my credit score which they stated according to XXXX was a XXXX on XXXX XXXX. That is incorrect and wrong that XXXX would report a lower credit score to decline an application. I have verified through credit karma and credit tracker through my current score is in the high XXXX 's around XXXX according to XXXX. I asked the Lowes executive office numerous times that they need to get a response from synchrony and I did not hear anything from them until last week when I got a letter in the mail that had my correct address on it but the time stamp blacked out in crayon in the front and back. It is very suspicious that they would do something like this and falsely report my credit score nearly XXXX points lower than what it actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. 
I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. 

Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. 

I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.

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 2017-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED XX/XX/2017 I OWE {$390.00} ON PURCHASE AND NOW XX/XX/XXXX HAVE BEEN TOLD THAT I OWE AN ADDITIONAL {$300.00} I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FIXED INCOME XXXX SYNCHRONY BAK

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 2015-05-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.

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