vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica
State: DC

Complaint narrative:
On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I had a decrease in my hours at my job, and this the reason why I have fallen behind on my loans. I discuss it with the loan companies stating that I would not be able to make the original payment, could they accept half a payment and they told me no, and I told them that was all I could do at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
Not familiar whit this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!

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 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I got a call from my father a few weeks ago about this collection agency trying collect a debt from me that was 10+ years old. They told my father what I owed on the debt and that I was in trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Omega RMS, LLC
State: MA

Complaint narrative:
Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
XXXX OF XXXX XXXX XXXX date of servicedid not bill insurance company evertried to collect from XXXX XXXX XX/XX/XXXX after sold to XXXX XXXX systems. XXXX was insurer of record and verified coverage and that XXXX has no obligation to pay. Now " debt '' sold to another entity XXXX XXXX XXXX XXXXand Dynamic Recovery Solutions is now billing XXXX XXXX for same {$630.00} which he is not obligated to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
First Financial Investment Fund V, LLC are trying to collect a debt which I do not owe. They are trying to collect a debt under XXXX different account for the same company. I told the company that all debts and claims for XXXX XXXX has been fully resolved. They closed the XXXX debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
It is my belief that Kia Motors Finance ( " KMF '' ), a division of Hyundai Capital America ( " HCA '' ) engaged in illegal, high risk predatory lending behavior regarding my lease of a XXXX Kia Sorrento. This is a separate concern from my complaint regarding credit reporting and notices. 

When I initially leased the vehicle my credit profile was highly overextended with all my accounts having balances at or near their limit and with multiple credit cards having been opened and used to their limit within the previous XXXX day period. I also had one vehicle already financed that was not to be traded or resolved as part of the financing. I believe this alone indicated an exceedingly high risk lending situation. 

Despite my young age, a plummeting credit profile, and having another vehicle financed outside of the purchase, KMF indicated approval for the lease. 

Believing purchasing was not a good idea I reiterated to the dealership to share with KMF my employment situation. I indicated I recently had my employment terminated with XXXX XXXX XXXX and that I may or may not be rehired into my position. The dealership advised they shared this information with KMF and that they felt based on my employment history that I could afford the lease and would likely find another job if needed. 

Despite KMF having immediate knowledge that I was largely unemployed they approved the lease and added a clause waiving the need to verify my employment and income. I believe this waiver was added so they could avoid having to decline the lease. I believe this is a case of predatory lending as KMF had knowledge that I could not afford the vehicle and knew I did not have a worthy credit profile but proceeded with financing, regardless. The lease went through underwriting without any agents of KMF seeking to verify income, employment, available cash balances or my previous earnings. I was only required to sign the documentation and provide a government issued identification card. 

Ultimately as a result of KMF providing me a lease they knew I could not afford the lease quickly fell into default ruining my credit profile. This lease was predatory in nature and the type of behavior seen here is unethical and illegal. I volunteered the vehicle back to KMF in good faith. 

After the vehicle was in the possession of KMF, the errors and violations continued which are discussed in a separate filing. If KMF had followed normal lending practices this would have been avoided.

Company response to consumer: Closed
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hunt & Henriques
State: WA

Complaint narrative:
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Razor Capital, LLC
State: MI

Complaint narrative:
I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Cottonwood Financial Ltd.
State: FL

Complaint narrative:
I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I owed {$29.00} to J.C. Penney ; due XXXX XXXX, 2016. I logged on to my account this morning, XXXX XXXX, 2016 to pay in full and now I owe {$58.00}!? A late fee equal to my total due amount was added. That 's XXXX right? Is that legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My XXXX was denied for a purchase at Sam 's Club # XXXX XXXX XXXX, XXXX, OH XXXX on XXXX/XXXX/15. I went to the Customer Service desk and they called Synchrony Bank, the issuer of the card and handed me the phone. After verifying my identity I was told that an attempt to use my card was rejected and was asked if it was me that tried to place the charge. I do n't remember the exact amount of the charge in question but it was between {$100.00} and {$200.00}. I said no, that I did not authorize that charge and was then told my card was cancelled and that a new card would be sent to me. Upon reviewing my statement when I got home I noticed another unauthorized charge in the amount of {$1000.00} on XXXX/XXXX/15 to XXXX. I do n't have an account with XXXX and have never transacted any business with them. I called Synchrony Bank on XXXX/XXXX/15 about the fraudulent charge and filed a dispute. I did not receive a Fraud Investigation form but I did receive a letter on XXXX/XXXX/15 stating " After reviewing recent activity, we did not identify any unauthorized purchases applied to the account. '' and also " At this time we have concluded the fraud investigation and consider the matter closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.

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 2016-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.

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 2017-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Lowes Credit Card, managed by Synchrony Bank. Account # XXXX. When I made my purchases at Lowes I was not tgold there was another company involved. I was in a XXXX accident XXXX XXXX XXXX. Since that time until this week, I have been in a XXXX and an inpatient in a XXXX XXXX Hospital, XXXX XXXX, XXXXXXXX. I am a XXXX Resident. On XXXX XXXX XXXX my father called the credit XXXXcard comopany, and after I authorized him to speak on my behalf, attempted to pay off the balance of the principle, and asked for an accomodation, forgiving the interest of {$1000.00}, on a bakance of {$3500.00}. We were transferred to 6 diffenent offices, and after 1 hour 15 minutes hung up on. This is a dedceptive practice. My father was doing the talking and is helping write this complaint. I want gto pooay off the principle balance, and cancell ghe card, they will not cooperate.

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Has been next to impossible to view one 's current billing statement on line. Now, can not get it at all. Even before, had to roam all over walmart.com to get it. This prevents one from being able to ascertain any fraudulent activity at the earliest point. At this juncture, Walmart and Synchrony are about to " cut off their nose to spite their face '', because at least this account, I wo n't use and they can lose opportunity income.

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 2016-07-26 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I obtained a Care Credit card in 2007 at the vet when my pet was XXXX. The interest rate was supposed to be reasonable and I had a small income that should 've covered the payments. Later on I had my own urgent health issues that were n't covered by medicaid. I lost my job and my financial aid ran out. Someone I knew took my XXXX card and used it without my knowledge. I was homeless and my ex threatened me to keep me from applying for child support. I explained my situation to the Care Credit representatives but their only response was to raise my interest rate to 29.9 %. I made payments on the debt but the amount owed only increased. My credit was ruined and I was forced to file bankruptcy because after 8 years, the Care credit was still on my credit reports several times.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
We contacted Barclay Card with XXXX XXXX XXXX over XXXX charges to XXXX with a billing dispute. XXXX never credited the account on their end and then proceeded to charge us twice. When I contacted them to put in a dispute they told me it would be taken care of and not to pay it. About a month and half later I woke up to discover they had put back the charges to XXXX. They advised me that they have no dispute rights because the dispute was not completed properly or entered properly into their system and XXXX sent them documents. I requested those documents on XXXX XXXX and still as of the date of this complaint have received nothing. Repeated calls to them have garnered no help except that they would look into it which they never did. They are refusing correct their representatives error and process the dispute that I requested just telling me that it is a one time deal. 

In addition I submitted a payment to them in XXXX for the amount of interest bearing balance as I have some items on a no interest promotion. They did not apply it to the interest bearing amount instead to the promotion and their response was that they always go to the promotion first. I thought they had to apply this to the most expensive interest portion first. 
Some of the items were never even placed on promotion instead on lower interest rate. They have also refused to correct this.

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 2015-08-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX of 2014. I was on an extended holiday in XXXX XXXX. I attempted to use my Amazon store card to purchase items from there and have them sent to where I was residing. They stated they needed my store card number, I had done this in previous years, this was the first time they had requested that information, I was told it was a new consumer protection move. It was instead a requirement of the cards new issuer, synchrony bank. As I did not have the card with me, and my husband could not locate it at home, they agreed to issue a new card, which they did do. The first month after the issue, I went on line to pay my bill the online statement reflected that I owed XXXX, and my payment was XXXX, the online payment Center would not accept a payment. After several phone calls by my husband, we gave up and he ended up paying my bill by phone, out of his own account. All the while the automated statement reflected that I was paid in full, even though I knew this was inacurate. This is still going on. When I got home it took XXXX phone calls over 2 months to attempt to resolve the issue, in XX/XX/XXXX I was given a different set of payment instructions, as their on line payment button still reflected the totally inacurate information, verifying I was paid in full. The new payment method worked for two months. This month I went on line following the information they gave me it no longer works and my account once again innacuately reflects I owe XXXX. When I called them they gave me an entirely new set of directions, which require me to go to their own site to pay my bill. They flat out refused to fix, or explained why the button that you press to " pay your Amazon store card '' doe not work. They also refused to explain why they did not care to fix it, or provide a working link to their own site, that interfaces with the Amazon site. It is my contention that synchrony bank is deliberately doing this to collect late fees they are not entitled to by luring customers ears into believing they have no monthly payment due. This has happened in my own case, it may have also potentially damaged my credit score.

Company response to consumer: Closed with explanation