vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I had a credit card with barclays bank I had run into some trouble and had to accept a settlement offer and our agreement was when I paid this settlement they would remove this account from my credit I have contacted them by phone and by mail. I keep getting the run around and no response to my letter. I called again on XXXX/XXXX/2015 and talked with someone named raven after several minutes on the phone explaining again the situation they put me on hold for quite some time and when they returned I was told by raven to resolve this I had to dispute the information with transunion that 's who they report to and send a letter to the fcra and the address they gave me for the fcra was XXXX XXXX XXXX XXXX, DE XXXX which is the address for barclays bank. they are trying to run some sort of scam so this is my first step to get that account removed when they fail to do so I am going to report them to the ftc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????

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 2016-11-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.

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 2015-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC
State: LA

Complaint narrative:
I took out a XXXX loan on XXXX XXXX, 2017. I hired a contractor that was recommended to me by the Movement Mortgage loan officer. I later found that this contractor was not competent and ruined the foundation of my house. 
I parted ways with the contractor and hired another contractor- which was approved by the lender. The original contractor later filed a lien against my property - which I am fighting. Movement mortgage has now refused to pay my current contractor for the work he has done due to the false lien against my property. I have asked them for loan documentation that states that this is allowed- they have yet to provide any. 
I 'm now in jeopardy of having another lien filed against my property. I would like for Movement to pay the current contractor or provide HUD documentation that they are not allowed to do so. I called HUD and was told that there is no such documentation.

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 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: TN

Complaint narrative:
I have not received any type of notice or communication from this debt collector in order to vaildate this debt that I supposedly have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by NORTHLAND GROUP INC . Thereafter, I personally contacted NORTLAND GROUP INC. and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with NORTHLAND GROUP INC . I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, NORTHLAND GROUP INC. recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I have put a complaint on chexsystems in reference to a fraudulent account with XXXX that was opened in my name. I also attached the police report this is hindering me from being able to obtain an auto loan a chexsystems has not tried to help me expedite this problem and I have no transportation to get around and my approved auto loan is being delayed because XXXX of the conditions was to open a savings 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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have a mortgage currently serviced by Wells Fargo. We made a large ( 25 % ) payment of principal of the loan amount. They did not adjust our payments. We called, and it turns out, the consumer has to call Wells Fargo, request a form, have that form mailed to them, complete and return the form, and only then will Wells Fargo adjust the payments. If I had not called, they would have charged me the original amount for the next 29 years. This is something a computer will do in two seconds, and they should do it automatically. By failing to do so, they are overcharging, and misleading their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted XXXX XXXX through Citibank to help me with the process of procuring a loan for a home in Indiana. From the very start, I alerted him that business losses from XXXX for XXXX were deducted against my primary and XXXX income, however I had sold XXXX and therefore it would n't be a loss any longer. XXXX stated that since the XXXX was sold, then the losses would n't be taken into account for the purpose of determining future ability to pay. 

After paying in excess of $ XXXX on origination fees, inspections, and travel, XXXX alerted me three weeks after I signed a purchase agreement that the underwriter would not offer me a loan due to my XXXX losses on the previous tax returns. When I asked XXXX why he told me otherwise, and why I wasted so much time for this result, he stated that he does n't review the tax returns, and held no responsibility. 

The amount of effort and money I spent for something that could have been avoided from the very beginning with a more knowledgeable agent is heartbreaking and disappointing.

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 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation