vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. 
I have written to inform both companies on XX/XX/2016 that XXXX XXXX XXXX , XXXX & SYNCB/SAMS CLUB are both reporting on the same debt for XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Original Account Number XXXX Sam 's Club Personal Credit Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX. I have been trying to work with XXXX XXXX XXXX , XXXX and now have found myself being stopped from working out any agreements with these companies do to a Attorneys Block on my account that have been put on my XXXX Account XXXX XXXX XXXX XXXX. I have spoken to XXXX XXXX XXXX on XX/XX/2016 a few times. 
I have been told that no one from this company can or will speak about this account do to attorney block being put on this account by XXXX XXXX XXXX. I have been told that the only way to be able to speak to anyone about this account is to send them a letter stating that I am/will not use attorney regarding this account. I have repeatedly told XXXX XXXX XXXX that I will not give up my right to have legal representation. I have repeatedly requested information in writing and have only received letters from this company asking for my attorney 's information or telling me that they have opened investigation. I have never received an answer regarding any of the question 's ask of them. 
I have asked for debt validation, Proof that this company owns said debt, Proof of actual debt amount, Please proved any legal documents of proof of debt that legally authorized this company to collect debt. 
I have given XXXX XXXX XXXX 30 days to hear back with answers to these question only to fine that XXXX XXXX XXXX has only put a attorney block on my account so that I may not resolve this contentious matter.

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 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NVR INC.
State: MD

Complaint narrative:
I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had called to check status of a vehicle loan payoff, to the XXXX XXXX XXXX number. 
The young lady I spoke with XXXX who became very rude and defensive in tone as I ask questions about the payoff that they said had to be forwarded since the address in the payoff letter that was sent to us, had the wrong address on it. having us send it to XXXX XXXX XXXX, OH instead of a XXXX XXXX address. I know that these conversations are recorded and that you can review them. I generally do not write these type letters but this young lady upset me very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about my complaint.

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 2016-12-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart offered 15 % discount on todays ' purchases if I opened a card, but after opening the card, Walmart withdrew their 15 % offer ( said that I will need to wait until I received the card to get the 15 % ), and when I asked to withdraw my application, my request was denied and Walmart processed my application. I received the card XXXX weeks later which I immediately closed. This is of concern only because it will be reflect on my credit report.

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 2016-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
When I got my Wyndham Rewards Visa Signature card last year, XXXX of the terms on the card was that on every anniversary, I will receive XXXX Wyndham Rewards points. The anniversary is in XX/XX/XXXX ( so its almost 4 months into the year now ) and I still have n't received my rewards points. I initially reached out to Wyndham and they redirected me to Barclays bank because Barclays bank services the card. I reached out to Barclays several times in the past couple of months and they keep asking me to wait. When I called in XX/XX/XXXX they told me that the points will be credited on XX/XX/2016. Today is XX/XX/2016 and that has n't happened so I called them again and again same story where another team handles the issue and the customer service team ca n't really do anything to expedite the process. As a customer I expect the points to be credited in a timely manner without me having to follow up several times. In exceptional scenarios when things go wrong and I do have to follow up, I expect customer service to solve the issue on the first call and/or give me a definitive date on when it will be resolved - not just kicking the can down the road expecting the customer to eventually give up. I want to use these points to book a reservation for an upcoming trip and ca n't because Barclays would n't credit it in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I attempted to use my JCPenney credit card on XXXX/XXXX/15 and I was humiliated when my purchase was rejected. I was told to call a XXXX number. I called the XXXX number and I was told my account had been closed for " inactivity ''. I was told I must use my JCPenney card within 6 months or my account would be closed. 
I used my JCPenney card within 5 months without a problem, my account was still open in XXXX 2015 when I used my JCPenney card. 
I attempted to use my JCPenney card again on XXXX XXXX, 2015 and JCPenney had closed my account fraudulently. 
My account should NOT have been closed and this will be reported on my credit report as JCPenney account " closed '' due to inactivity which is NOT true. 
Prior to my account being closed, JCPenney also decreased my credit limit without notification. I was not notified as to why my credit limit had been decreased. 
JCPenney is conducting fraudulent activity to decrease customers credit limit without their knowledge and close their accounts when customers are not aware of their 6 month " inactivity '' rule. I was told I have to reapply for a credit card. 
My JCPENNEY credit card was used within their 6 month " inactivity '' rule my account should NOT have been " CLOSED ''. 
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as " closed '' due to " inactivity '', this is fraudulent information reporting on my credit report and my account was " closed '' fraudulently by JCPenney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Opened arrival plus account back in XX/XX/XXXX with XXXX score and XXXX figure income I was originally given a XXXX limit which I could n't understand so I asked for XXXX. I was declined for the XXXX so I apped for XXXX more Barclay cards both were approved for XXXX a piece. After using arrival plus for couple weeks I received a call stating a needed to go into bank and do a cash advance in order to verify my identity which was done on XXXX since then I have had maybe XXXX security verifications done asking public record information which I have always been able to provide without issue I added Au to my account and there was a security freeze placed. I asked to speak to supervisor and the csr have refused to put a sup on line and now have frozen my account until I MAIL in my ID front and back is this not XX/XX/XXXX XXXX near XXXX why is it that they will not accept email or fax yet they can accept over XXXX in payments? I am beyond frustrated with the back and forth with them! They made me do cash advance to verify my identity and I was charged {$50.00} I want a refund and investigation of why I have been mislead and mistreated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 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:
If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I applied for a conventional loan, 30 years fixed rate, refinancing of my current home. I specifically asked the mortgage broker if the charged off account needs to be paid. The broker ran my application and came back with an answer that all XXXX does n't need to be paid but XXXX of them need to be paid and the loan moved to next stage. While waiting for the under-writer, I paid the charged off account ( which was already past SOL ) around {$1200.00}. I paid for the home appraisal and appraisal was done. I got a mortgage commitment letter, after the loan was reviewed with the underwriter, saying that any disputes needs to be resolved and also asking for updated bank statement. Today I got an email saying that all charged off ( non-mortgage ) account needs to be paid before they can close my loan for my primary home. This is against XXXX XXXX Guidelines which clearly says that " For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs -- regardless of the amount ''. I have XXXX accounts in my credit report which are charged off 5 years ago. There is a notation in the credit report that total balance is " past due '' which is the result of account being a charged off account. The account is being mistaken as " past due '' when it 's actually a charged off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I needed to file a claim for a travel benefit. First, my credit card company advised me to pay the car rental company for repairs. Then they denied my claim. Then they told me that they do n't really provide insurance, and that the benefit was advertised to attract new customers.

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 2017-01-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have been a XXXX card owner for many years. The amount is high, and have been paying $ XXXX XXXX each month. In XXXX, XXXX, I inadverntly paid another XXXX 2 X and thought I 'd paid XXXX. Statement of XXXX, showed {$37.00} overdue. XXXX, I paid {$40.00}. XXXX, XXXX, demanding {$120.00}. A call from them was received. I went through this with XXXX several years ago. After I read that your agency settled with them over too much interest, my gas card had {$200.00} credit on it. I feel the same old thing is going on with XXXX. I do not use the card now because of what I owe on the bill. I had been paying regularly until the XXXX incident.

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 2016-10-27 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: M.A.R.S., Inc.
State: OK

Complaint narrative:
I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year. 

They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in. 

At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct. 

They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns. 

I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons. 

They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns? 

They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I sent a letter to Synchrony Bank requesting that my XXXX XXXX account be closed as I am no longer able to make payments. I also requested that the account be closed ; however, my credit report reflects that the account is still open.

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