vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-11 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: TX

Complaint narrative:
XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by GE Capital in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX threatening my spouse

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: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging {$35.00} late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX 2016 Consumer Financial Protection Bureau - CFPB Let 's start with : " Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by California law [ and U.S. Law ]. '' My complaint : This is in regard to my credit account CareCredit of which all payments were made to Synchrony Financial ; also, there was never a late payment. 
According to their most recent statement my 2016 totals of the years to date are as follows : Total Fees charges in 2016 {$0.00} Total Interest Charges in 2016 {$220.00} Total Interest Paid in 2016 {$810.00} No new charges have been applied to this account in over a year. Further, please note that I opened this account approximately two years ago with no interest paid during the promotional period to open the account. If not paid in full within the first year, the interest rate is now applied to the overall balance in the second year, thus, combining the XXXX balances creating the interest so stated ( {$810.00} ). I was never informed of the 'combination ' creating that interest in dollars and cents. Had I, my decision knowing what the interest and payments would be would have definitely changed my position regarding the continued relationship with CareCredit. 

I have no problem with the arrangements during the promotional year and no problem with the interest added after the first year. It is combining the interest from the first year and adding it in thereafter, thus, the total interest amount that I am paying of which I base the term -- usury. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, et al do not go back and charge the first year interest free if the balance is not paid. Again, I would have opened an account with a lending institution had I known they were going to charge me {$810.00} plus in interest cost for such a short time. 

The dentist office called in the information for me and then I was approved. When I signed the agreement, I had just had a root canal so the part that supposedly stated all has to be paid in full or you will pay over 50 % interest was not clear ; nonetheless, this should not be allowed. 

In addition, when XXXX XXXX took over the balance, they sent me a bill for {$32.00}. 

Sincerely,

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 2016-11-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.

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 2015-05-15 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX. 
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.

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 2015-07-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an open credit account with Synchrony Bank who back many different types of credit card financing, e.g. XXXX financing for Appliances ; Care Credit for medical ; cosmetic and vetrinary care financing and XXXX XXXX Pay for car repairs which I have. My complaint is this : Business practices are barely legal to my way of thinking. When you visit their website, you are continuously steered in the direction of giving them all of your information, or they wo n't let you into your account ; even with the correct password. Once you 've passed that hurdle then you are steered toward letting them into your bank account to take out money for payments and other things, and are told in contract that if they deem it necessary they will reach into your bank account and take out what they feel is owed to them based on whatever debit card you used to pay the last bill. Also, it is almost impossible to find a phone number or any other contact information for these people. The only thing listed for dispute resolution is an address which could take you months to resolve anything and by that time they can hit you with all kinds of late fees etc., although I have only had XXXX to date. I have always paid my card off before the interest period comes due. These people seem to try every trick in the book, with timing and otherwise to make sure that you either ca n't pay on time and they can hit you with a late fee and other financing fees or something. Their business practices may not be illegal, but they are certainly not ethical. My complaint is the way their business practices are structured from gathering information to collecting debt. This company is clearly a legalized loan shark preying on desperate consumers. I will pay the late charge that they hit me with because of a timing error with my bank over XXXX of XXXX weekend and I will close my account and never do business with these people again. Furthermore, I think that they should be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
Sebonic Financial XXXX NC, person in charge of the process is XXXX XXXX, but further issues arose when the file was transferred to person listed on the mortage documents, XXXX XXXX. 

This involves misleading and failing to make sure that my XXXX XXXX XXXX mother was aware of the reaons they repeadly raised issues with the process even after they got to a closing date last week. She showed up to sign the papers and they introduced a provision that she had asked about concerning the persons required to be present to close the loan. 

On her behalf as her son I have taken this matter up because it has become a situation that one could characterize as taking advantage of a person who is simply overwrought with the misteps and the company 's failure to answer so many of the questions she has posed. 

The last of which being who needs to sign the closing documents. 
In anticipation of such an outcome, all correspondance is in writng via emals but to go one further would take hours. 

I have been told that I would hear via phone from the supervisor but as of this time no one has called. 
with that in mind I determined who runs the company and left messages with the CEO XXXX XXXX XXXX, the COO XXXX XXXX XXXX and the head of productions XXXX XXXX XXXX at this time the damages she is incurring accrue daily and I hope that this action with you will cause them to address the matter with the proper diligence. 
This is an XXXX XXXX in XXXX and she owes no one any money and is as much of a great citizen and since her retirment and an extrordinary public servant in her role as XXXX XXXX and through the establishment of a first of its kind performing arts center in the community in which she has resided for more than 30 years. 

People like her deserve your help and the advocacy that only the AG 's office can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Siggi LLC
State: CA

Complaint narrative:
I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My compliant is that the credit bureaus are not properly verifying my disputes. I contacted both XXXX and Experian about the credit inquires that 's on my credit report. I advice them both that the inquiries not associated with my accounts was not properly verified by me and I want them removed NOW. I have spoken with many different representative at both companies. I asked to speak with someone in special handling in the US and they are still giving me the run around. Keeping me on hold for long periods of time. These inquiries are not mines, I did not allow those companies to run my credit at any time. I 'm asking that XXXX and Experian be placed under an investigation. Transunion are the only ones working to help me remove these errors place on the account. XXXX and Experian please remove inquiries not associated to my account. This error is taking a big hit on my account.

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 2016-07-01 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: AZ

Complaint narrative:
Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.

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