vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX did not bill our insurance as we requested, then turned us over to CMRE collection agency. We paid CMRE because we were in the process of applying for a mortgage loan. Since then, our insurance was billed and they have paid. We have been unable to obtain reimbursement for the {$1200.00} that we paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. 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 explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of 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 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I saw the checking account cash offer on the internet and I opened a new checking account with Capital One 360. Then I called in to confirm with the representative to make sure the offer is valid. The service personnel told me the cash offer {$400.00} is valid as long as I have XXXX direct deposits within 60 days. Now I have satisfied the requirements by making XXXX continues direct deposits. Today I talked to the customer service again and they told me that the cash offer is no longer valid. This is really bad customer experiences with Capital One 360 because they told me the previous customer service did not put notes in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I had a Lowes Credit Card since XX/XX/XXXX and have never missed a payment until I had a serious car accident XX/XX/XXXX. I was in the hospital for two and one half months, XXXX then I went to XXXX. I am now home. During that time I called Lowes to tell them that I was XXXX from the crash. I told them about the crash and explained that once I was home I would take care of the account. I never dreamed I would be away from home for over three and one half months. My purse was evidentaly left at in my car after the crash. I have not seen it since. I live alone. I was in a hospital that was 2 hours from home and friends. I called Lowes on XXXX to notify them about the crash and they said OK. I called again on XX/XX/XXXX to give them an update and assure them that when I was able to get home I would pay what was owed. They said OK. I called on XX/XX/XXXX and was told that the account was closed. I did not have any warning that this was going to happen. I asked the supervisor why I was not notified and she said I had requested not to be called at home. I checkd that and it was on a form I filled out XX/XX/XXXX when I opened the account. I said why did n't Lowes send me a letter? She said they do not do that as it can be construed as a threat!! I have other credit accounts and each one like XXXX XXXX and XXXX, etc., helped me through this difficult time. Please can you get this account opened again for me so I can have a good credit rating? 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 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MI

Complaint narrative:
This company will not respond to my concerns/complaints. I have tried to have a manager call me multiple times, but I have not heard back. My first complaint is that there has been no communication throughout the whole process and I feel like we have been left in the dark on our mortgage process. Emails were being returned in an untimely manner, if at all. I have still been waiting for a response about why my closing could n't happen when it was scheduled and that request was sent to a manager. It has been almost a week now. This makes me feel like my loan is not important to them. My second complaint is that the day of closing, no one was there to answer my questions and ultimately the closing had to be cancelled. I communicated with this company that I would be making that month 's payment on my current mortgage, but no one ordered an updated payoff for closing so that is one thing we are waiting on. This lack of initiative prevented our scheduled closing. Finally, I got a call from this company tonight, but was not satisfied with her response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. 

This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I took out Care Credit loan when my daughter needed some dental work we could not afford. I was told it was ZERO percent interest and we arranged for automatic bank payments directly to Care Credit/Synchrony Bank. Recently I called the company to find out my balance since I was nearing the end of my contract and was told it was over {$4000.00}!! That was close to the amount borrowed several years before. I found out on that phone call that the " promotional period '' had ended and all of the extremely inflated back interest had been applied to my almost paid off balance and had no idea this was occuring as all buisness had been via bank withdrawals. I asked the man on the phone what I could do and he essentially said " Sorry, you lose. '' So add my name to the list of unhappy consumers with this company to help anyone else this XXXX happen to and perhaps get some sort of re compensation if a class action lawsuit is brought against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.

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 2015-03-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I called XXXX credit cards at XXXX XXXX XXXX XXXX and spoke to " XXXX '' to cancel my XXXX father 's credit card account. He advised me that the account was canceled and if I had any questions, to call XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received XXXX NEW XXXX credit cards on the same account, XXXX in my XXXX father 's name, and XXXX in the name of my XXXX mother. On XX/XX/XXXX, I called customer service XXXX XXXX XXXX XXXX and spoke with `` XXXX '', giving him my mother and father 's dates of death and my father 's Social Security number ( AGAIN ) as well as my name and address and advised him to close the account as both parties on the account are XXXX. " XXXX '' advised me that the account was closed effective immediately, and that a written confirmation would be sent to me at my address. 
On XX/XX/XXXX, I received a letter addressed to my XXXX father at my address from Synchrony Bank stating in part that they had " ... recently received a letter that was unclear regarding the desire to close [ the ] account '' and requesting my XXXX father to " ... confirm your desire to close your account by calling the toll free number listed below. '' The number given was the same number I had ALREADY CALLED XXXX. 
On XXXX, I called that number and spoke to " XXXX ''. I told him I wanted to make absolutely sure the account was CLOSED. He advised me the account was closed and told me to simply " ignore the letter ''. Then he told me I could call XXXX XXXX and speak to the " XXXX '' to try to resolve the matter. 
On XX/XX/XXXX, I sent the Synchrony Bank Customer Service Department a letter detailing the fact that I had already called and had quite unambiguously stated that the account should be CLOSED due to XXXX of the account holders -- BOTH OF THEM -- and that my XXXX father HAD NEVER WRITTEN THEM A LETTER AS THEY CLAIMED IN THEIR CORRESPONDENCE. I also requested written confirmation that the account was, in fact CLOSED. To date, I have received NO RESPONSE WHATSOEVER from their Customer Service Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for credit at Synchrony Financial in 2011 to purchase a SONY camera. My credit is/was about XXXX. Synchrony Financial gave me a credit card with 29.99 % 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 2016-12-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank opened a credit card on behalf of Walmart without proper identification and authorization.

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank took over maintenance of my Amazon Store card. My payment for XXXX was returned by my bank. As soon as I realized this, I immediately paid the amount owed. I received an email from my credit monitor that the account had been closed as of XXXX/XXXX/15. I had just accessed the site and there was no mention of the account being closed. As of today, XXXX/XXXX/2015, there is still no indication the account was closed. I received a letter this week, XXXX/XXXX/15 that the account was closed due to too many returned payments. There was XXXX. I received the letter from Synchrony about the returned payment today, XXXX/XXXX/15. It was written on XXXX/XXXX/15. It does not take XXXX days for a letter to get from XXXX to XXXX. So I received the letter of a closed account before the letter of the returned charge. Looks like someone discovered they forgot to send the returned charge letter so they sent it after the closed account letter. The returned charge letter was sent presorted first class mail so there is no postmark. Meanwhile, I am expected to pay interest and finance charges on a closed account. This company seems to want to collect money without providing any services. I never received anything in writing from this company stating that the account would be closed if there are ANY returned payments. This seems like a very poor excuse to close a customer 's account. Especially if the customer has had the account for a long time with no problems. Writing to them does no good as they stick by their decision and just tell you you can reapply for a new account, but you can only reapply XXXX a year. A condition also not stated in writing. Can you please investigate to see who else they have gotten with this lame excuse and if my account can be reinstated? Maybe they will listen to you, if not to their customers. This company has taken over several of my accounts and thisi practice concerns me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: MD

Complaint narrative:
I am receiving calls from a florida number multiple times a week sometimes twice a day. Every time I answered there was never a person on the other end of the line. I would just hear dead air. No message was ever left. Sometimes I would have a voicemail of dead air from these numbers : XXXX, XXXX, XXXX, XXXX. This has gone on for several months. No actual communication was ever made from any of these phone numbers until XXXX/XXXX/16 when there was finally a gentlemen by the name of XXXX XXXX stating he was from national service bureau and asking about my social security number. He told me I had a debt thats been building interest since XXXX. I believe this company is purposefully using these tactics to build up interest and make more money off their debtors. I had no idea and no form of communication to alert me that I had a debt. This is very shady business practices. No joke as I 'm writing this I received a call from XXXX that I answered and shocking dead air nobody on the other line. I ca n't imagine that this is a legal business practice.

Company response to consumer: Closed