vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: TN

Complaint narrative:
They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!

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 2016-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought a water heater from Lowe 's and used a zero percent credit card to finance it. Attached is a spreadsheet that enumerates what was charged to my credit card. The re-billing and crediting was not authorized by me. And, as you can see it does not add up to the total on my credit card. My balance is higher by {$51.00} the exact amount of my direct delivery credit. The store claims that I WAS owed that credit and that I DID get it. 
I have attached the reconciliation and a copy of my most recent statement proving the discrepancy. 

I am tired of being lied to and misdirected. I want this unauthorized change removed from my card. The total interest free period is about to be up and I will NOT pay interest on the {$51.00}, which I have not intention of paying. 

Please help me resolve this issue. I think these people are crooks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I called amazon to payoff the {$65.00} whicj the last balance I had to pay it off and they stated they did not have any record of my account, so I disputed the information to get it removed be uase according there was no record whatsoever.

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 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( XXXX 2016 ), I scheduled my payment of {$130.00} on the Amazon Prime Store Card for XXXX XXXX so the funds would be withdrawn on XXXX XXXX. The funds were withdrawn on XXXX XXXX instead. This led me to be charged a {$34.00} fee by my bank as my payment was turned back. I will probably also be charged a fee by Amazon Prime Store Card Synchrony Bank for a total of approximately {$70.00}. There is no visible notice on the Amazon Prime Store Card Synchrony Bank payment website about this anomolous practice. I would like any fees I incur as a result of this practice - from both my bank and Synchrony Bank Amazon Card - refunded by Synchrony Bank. Synchrony Bank Amazon Prime Card should also be required to change its practice to be in line with other financial institutions - or be required to prominently post this anomolous practice on its payment website. Finally, unlike other companies with interest free promotions, Synchrony Amazon Credit Card does not automatically post payments to its 0 % promotional balances - customers must actively change. Those customers who are not tech savvy will find themselves paying interest on promotional balances because they may not realize they must change how the payment is allocated or may not be able to figure out how to do so.

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 2016-08-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had XXXX ( XXXX ) credit cards with TJ Max, XXXX was already closed in XXXX, and the XXXX card I opened in XXXX. I made regular online payments since it was originally opened it. However, when I called in XXXX of XXXX to get balance and payoff information on my current account XXXX, the representative from TJ Max gave me the wrong account information and stated that my balance was XXXX and that my account was closed. Since TJ Max confirmed I had a XXXX balance, I stopped making payments as of XXXX. However, I actually had {$35.00}. Recently, I received a credit card statement for XXXX and there was a balance of {$130.00} on it. I was very confused and concerned. So I immediately called them and paid it off. In addition, I asked what this was and was told these are late fees. I stated that I called in months back and that the TJ Max representative told me that my account had a XXXX balance. Right after I requested to speak to the manager. She gave me the run around and neglected to understand my situation and denied that it was a result of TJ Max 's representative. I repeatedly explained that this situation occurred because a past TJ Max 's rep did not provide me accurate account information of my account in XXXX. And to realize now, that my account actually only had a balance of {$35.00}, I am very upset that TJ Max has caused this matter. If I was provided with the correct information, I definitely would have paid it off immediately and would not allow the late fees to triple to a balance of {$130.00}. She was not listening nor empathetic and claimed that this happens all the time with other consumers. In other hand, she does n't believe nor wants to help me in any way. She also stated that this happens all the time, and that people do n't want to pay their account. From this reaction, I take it that she is categorizing me without knowing who I really am and does not care nor want to help with this matter. This was truly disappointing and frustrating since the negligence is because of TJ Max 's representative, and not myself. I truly believe that TJ Max 's is at fault since they provided me with the wrong information and lead me to believe my account balance was at XXXX. Also, TJ Max has penalized me with 3 months of late charges, and is trying to damage my credit. I am certain they are reporting to the credit bureau about this late payments situation. Overall, I truly believe this is very unfair and unjust business practice of TJ Max. TJ Max is very greedy, since they made {$100.00} off of late fees from me. Please assist and let me know what my options are.

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 2016-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during 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 2017-03-19 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My fiance and I both have individual credit card accounts with Synchrony Bank, along with one joint account ( account is in both our names ). I received notification from Synchrony that they had added two of my individual accounts ( accounts in my name only ) to my fiance 's online profile. This means that he has access not only to his individual Synchrony accounts and our joint account, but also to the account information for credit cards in my name only. Synchrony should NOT have exposed my personal information from my 2 individual accounts to him ; he did not have those account numbers nor my social security number, and did nothing to facilitate those accounts being made available to him. This is unacceptable and a mis-management of my personal information. I spent about an hour on the phone with Synchrony, explaining the issue to 3 different people. No one took ownership of the issue ; instead, they told me " it could n't happen '' ( in spite of the emails I received from them and confirmation from my fiance that those accounts were displayed to him as being able to add to his profile ) ; they also told me he could just delete from his online profile, if he did n't want to see my accounts. They are OBVIOUSLY missing the point and refusing to hear that they have violated my privacy by sharing personal/private individual account information with someone who is not listed as joint cardholder or even an authorized user on the accounts. I have no idea if this issue only occurs in scenarios where people share a joint account through Synchrony and also have individual accounts, or, if there is an even larger bug in their system where they are exposing my account information to people I do n't even know. Synchrony must be able to discern which accounts are appropriate to show an individual. Only the joint accounts should be exposed, along with only the individual accounts belonging to that person, and NOT the unrelated individual accounts belonging to the other joint cardholder. Synchrony needs to take greater responsibility in handling the private data of its customers, and most certainly needs to train their customer and fraud support teams to listen to and act on customer complaints when a privacy violation has occurred.

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 2016-09-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
One time my husband XXXX and we applied for a hardship but HFC kept asking for the same information over and over and still came back and told us they did n't have enough information. Now I 'm trying for a hardship again and I have faxed my income, mailed my income, and in the process of mailing the income again. They claim they did n't receive the fax, then they say they ca n't read the information I mailed. It 's always one excuse after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I checked my credit score today and noticed that it went down XXXX points, with that being said I noticed that Midland LLC was removed and replaced back on my credit file with a new report date of XX/XX/2017, this is not new credit..this account has been on my report for a while incorrectly. This incorrect posting has re-increased by debt by an additional {$2200.00} and decreased by score by XXXX points. I was never notified by XXXX, XXXX or XXXX that that they would be doing a re-insertion of this account on my credit. I request that it be remove ASAP because this is a violation and and requirement by FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. 
THEY HAVE FILED A CIVIL LAWSUIT AGAINST ME AND HAVE PUT A LEVY ON MY ACCOUNT. THEY HAVE BEEN WITHDRAWING MY MONEY WHEN THEY SENT A LETTER INDICATING THAT THEY HAVE NO SIGNATURE ON FILE FOR THE ACCOUNT THAT WAS OPENED UNDER MY SOCIAL. IT IS A VIOLATION OF CREDIT REPORTING LAWS. HOW CAN I BE BINDING TO A DEBT WHEN THEY HAVE NOTHING BEARING MY SIGNATURE. I AM DEMANDING THIS LAWSUIT BE REMOVED FROM MY NAME AND MY ACCOUNT TO BE CREDITED BACK THE $ XXXX THAT WAS TAKEN FROM MY ACCOUNT RETURNED BACK TO ME IN FULL. BASED ON FDCPA Section 807 ( 8 ) AMERICAN EXPRESS FAILED TO COMPLY. NOT ONLY DID THEY SEND A LETTER INDICATING THAT THEY WILL DELETE THE ACCOUNT OFF MY CREDIT BUT THEY CLAIMED THEY HAD NO SIGNATURE ON FILE FOR THE ACCOUNT YET I AM LIABLE FOR THE DEBT THAT IS ALL WRONG AND COMPLETE VIOLATION OF FEDERAL LAW FAIR DEBT COLLECTION PRACTICES ACT AND FAIR CREDIT REPORTING ACT WHICH ENTITLES ME TO DAMAGES OF {$5000.00}. THIS LAWSUIT NEEDS TO BE RETRACTED AND THE ACCOUNT CLEARED COMPLETELY FROM MY NAME WITH FUNDS RETURNED BACK TO ME AND THE LEVY REMOVED OFF MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I am at the end of my short sale on my home. It is owned by XXXX but is a XXXX Loan, it was submitted through XXXX and has been approved. I have several other liens on the property and although multiple attempts have been made and it has been made clear that this is a XXXX loan and they are not giving anything to the Judgement liens on the property, I and the agent along with the real estate broker have been able to put some money together and pay some of the judgements in an attempt to settle for less then the original amount, however, XXXX Midland Funding or XXXX is not willing to take a penny less then the full amount plus accruing interest. The XXXX position is not getting the full amount, hence the need for a short sale, traditionally they dictate the jr lien payoffs. I do n't know what else to do to get this passed through and my agent has run into a dead end. We have to close the sale by XXXX XXXX and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation