vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX has sent me a collection email on an account that was closed and paid in full back in XXXX XXXX. 
" Dear Accounts XXXX, Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment, please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today, restore suspended services, request payment arrangements, and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters, please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely, XXXX XXXX, XXXX, XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So, I called XXXX XXXX, could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX, they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that, however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management, I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa, MasterCard, or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you, XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX, MD XXXX '' I am not sure, if a collection agency could directly ask for money, without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks XXXX XXXX

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 2016-10-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I applied for and was approved for the XXXX Credit card by Synchrony bank. After several weeks the card had not come and i called them on XXXX/XXXX/16 and spoke with XXXX " XXXX '' in the fraud dept. I was told that Synchrony will not issue the card unless they have a copy front and back of my license on file. I objected to this because my photo, DL and financial info can be used by hackers to create fake id for terrorists and criminals using my face should they be hacked. Synchrony refuses to issue the card they approved unless i expose myself to major potential identity theft should their systems be compromised. Synchrony does not seem to care that a security breach in their system can create major opportunities for terrorist and criminal organizations to steal identities wreak havoc and destroy the lives of those customers who have been victimized by the breach,

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 2015-11-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I bought a sleep number bed XX/XX/XXXX. My account was sold to different banks a couple times throughout the payout portion. I eventually fell behind, totally my fault. XX/XX/XXXX I was contacted by a law office to collect the debt. I agreed to pay about {$20.00} every two weeks. This has been over two years ago, and I called for my balance today. The original debt was {$1200.00}, I have paid over {$1200.00} in the years I have been paying, but still owe about {$2400.00}. I called the attorney 's office and they informed me that my debt was {$3600.00} when they got it. I pulled my credit report and called every bank that has had this loan/credit account, and none of them can tell me where the {$2000.00} came from. I feel I have paid my debt back, and do n't mind paying some fees, but {$2000.00} on a {$1200.00} debt seems insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013, XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2016-10-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I had words with Sams Club and they gave me my money back for the membership card. Months later I received in the mail a membership/ credit card in the mail. Never used it or went to Sams. Two months ago I received a bill for {$330.00} made in California. I called them and told them this was a mistake. I wrote to them and told them it was a mistake. Now they are calling me on the phone wanting money.

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 2015-03-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX I visited my dentist office to take care of what I thought would be a quick simple procedure. By the time I left I was sold a GE Care Credit Card with a $ 6.5K limit and up sold dental services which, looking back now, were clearly not needed. Young and naive, I did n't know any better and certainly did n't understand the racket I would be subjected to years to come. This credit card charged-off around XX/XX/XXXX because I was unable to keep up with the terms and conditions of the agreement ( Truth in Lending ), which was not presented to me. The payments I made were primarily applied towards interest due to an already high rate, but also due to a " penalty '' rate for making a payment late. I recall one-time being told that it would go back to the lower rate ( the lower rate being 25 % + or so ) once I made XXXX on-time payments. It 's hard to negotiate with XXXX but I tried, but ultimately lost and stopped making payments because I refused to be subjected to their XXXX, threats, and abusive lending practices. 
This account has ruined my credit. I see now that this company was fined by the CFPB and ordered to pay restitution to its victims. Although I took the card in XX/XX/XXXX -before their 0 % debacle started in XXXX it 's clear that this company was NEVER operating under prudent and fair practices. The practices that they were fined for do not show up out of now where ; this company 's divisiveness and lack of transparency was embedded deep and was chronic behavior. I honestly do not know what rights I have as a consumer at this point but thought I would start here to see what assistance I may have in clearing this negative account from my credit report. I 'm happy to see that this company had to pay for their misdealings and hope that those misdealings result in the removal of this charged-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Called my ex wife and son stating urgent need to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.

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 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Near the end of XX/XX/2016, my XXXX credit card was reissued by as a MasterCard by Barclays Bank Delaware. Prior to the conversion date I had reported suspected fraud to XXXX on a secondary card on my account, in the name of my sister XXXX. They immediately a issued a small credit, and were investigating the balance in question, {$2900.00}. XXXX was working on this when Barclays sent me a new card, and billing statement which INCLUDED the disputed amount with XXXX. I immediately started calling Barclays, and informed them that this amount was in dispute ; they promised to look into it. They did not call back, even after I sent a list of disputed amounts ; I subsequently called numerous times, every month, speaking with " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', and " XXXX ''. Each time I was told they would resolve it and call me back. That was in XXXX, and I am still waiting for a call back. In the meantime, they keeping billing me for the amount in question, and interest every month.

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 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This company calls me every day to explain how they can collect this debt. They have also contacted my family members to collect this debt.

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 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or JC Penny since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
QUALITY LOAN SERVICE CORPORATION advises today, XXXX XXXX, 2015 ( email attached from XXXX XXXX ) that " the foreclosure is properly processed.. '' CONTRADICTING its purported boss XXXX 's statement made TODAY within CFPB saying : " Please be advised that at this time, we are reviewing the foreclosure process to verify no error occurred. The new expected date of resolution is XXXX XXXX, 2015. " IS IT LAWFUL THEN FOR QUALITY TO PROCEED WITH THE TRUSTEE SALE OF OUR HOME ON XXXX XXXX, 2015 PENDING THIS REVIEW by XXXX - for XXXX 's resolution on XXXX XXXX, 2015? 

Thank you, CFPB for your urgent help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
no consent given or obtained by me for this debt, no contract signed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have called several times that they are reporting the wrong BALANCE and CREDIT LIMIT information to the Credit Bureau Reports.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX, 2015 XXXX XXXX XXXX sued me in XXXX XXXX XXXX for an amount they alleged I owed on a Lowes credit card. On the afternoon of XXXX XXXX XXXX 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 XXXX took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with XXXX to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to XXXX XXXX via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount XXXX agreed to and despite the fact that they received this payment, with no other notice to me XXXX took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

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 2016-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I contacted American Eagle to get my balance owed to pay off the credit card and I was informed that I had a {$0.00} balance and I did not owe anything. Now I see that they are reporting this credit card as a negative item on my credit reports. I contacted telephone number XXXX.

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 2016-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at 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 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee.

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