vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
Convergant Inc. supposedly has my comcast account in collections. They talked me into making a payment arrangements based on incorrect information. Everything I read about them tells me they are a scam. They do not have my correct Name or Address or State. I 've tried to talk to them about refunding my payment so that I could pay XXXX directly and they refuse to comply and state that I told them to the correct information even though they dont have the correct information on file for me. 


XXXX XXXX XXXX XXXX XXXX XXXX are the supervisers I 've talked to. They have told me it can take up to 72 hours for them to look into it and I still have n't received anything from them. nothing but radio silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 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: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I canceled my mother 's cable account last XXXX, since she is ill and has moved in with me. Her monthly bill was approximately XXXX and was paid up to date. I received a bill from a collection agency on behalf of XXXX for {$440.00}. I contacted them twice to dispute the bill and never heard from them. I was then sent a notice from Sunrise Credit Services. I again disputed the bill. Sunrise Credit Service sent me a statement from XXXX dated XXXX of 2015. The service was cancelled in XXXX of 2015 and the house was rented out in XXXX of 2015.

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 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equidata, Inc.
State: VA

Complaint narrative:
Sent a bill to a collection agency when the bill was paid in full and refused o provide copies of the supporting document sent to credit collection agency which ended up on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I was in the custody XXXX and at the time of my arrest I was injured. I was first taken to jail, and then transported to the emergency room for treatment. 

Upon my release, I was billed for a total sum of around {$5500.00} I communicated with the hospital 's billing and let them know that I was in custody and XXXX was my legal custodian, and thus legally responsible for the bill. 

The bill was broken into partsXXXX. A {$310.00} collection was sent to the credit bureau. 

I have communicated this to all XXXX credit bureau, and well as the collection agency that is reporting to the bureaus. This debt has been written off in bankruptcy, but is a derogatory remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have no idea why these people keep calling me. I have no debt and they will not stop harassing me and countless others! Please do something about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SOUTHWEST FUNDING, LP
State: TX

Complaint narrative:
Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank has issued a credit card that resulted in hard inquiry into my credit record and subsequent reduction in my credit score, without my prior permission or authorization. I have never requested a new card and would have refused to have it issued had I known in advance. However no one ever asked. The Synchrony Bank just went ahead and did this on their own volition. 

The card does n't provide an option for the activation, nor does it provide a valid contact number. The number listed can not be reached, this bank is not XXXX member, and there is no way to contact them. Furthermore, I have never received any terms of using this card. 

Bottom line, I want this card canceled, I vigorously object to have my credit checked without my permission, and I do n't want to ever have this card, period!!!! I am very disappointed, I have worked hard to get my credit score to over XXXX and now it has taken a dip, thanks to the Synchrony bank. I deeply dislike this kind of practices. I DO N'T WANT TO EVER HAVE ANYTHING TO DO WITH THIS INSTITUTION!!!

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 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Access Receivables of NC Inc.
State: PA

Complaint narrative:
This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a credit alert from my monitoring company on XX/XX/2016. According to XXXX, Care Credit reported my account to the Credit Bureau after a purchase that put my card 200+ dollars over the limit. I was never notified by Care Credit that I was over the limit. I seldom use the card, and have never been late or defaulted on a payment. I do take advantage of the promotional period, however my account is always paid before the promotional period ends. As a result of Care Credit reporting the account to the bureau, my credit score may be negatively affected when I actually never defaulted not was late on a payment. Today, I made a XXXX dollars payment to bring the account under the limit, and once the remainder is paid using the promotional period, I will never use this card again. I was poorly treated and lied to by XXXX customer reps and a manager from a call center that appeared to be in XXXX. They were quick to report the over limit but refused to help me resolve the situation.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I paid off complete balance on my Juniper credit card and then they added {$77.00} worth of fees after I paid. This was not a balance transfer which they claim.

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 2016-10-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XXXX XXXX, I opened an account with Synchrony Bank with the intention of purchasing several CDs. I gave the information for the transfer from my checking account at my local bank of {$50000.00}. On XXXX XXXX, Synchrony made an automatic withdrawal not once, but twice, for a total of {$100000.00}, obviously causing my local checking account to be overdrawn. Synchrony returned {$50000.00} on XXXX XXXX, but then quickly withdrew another {$50000.00} the next day! 

After dozens of phone calls and speaking with Supervisor XXXX XXXX, nothing was done in spite of XXXX , XXXX assuring me every day that {$50000.00} would be wired to my local account each day to correct their error. In the meantime, my local checking account was overdrawn and accruing overdraft fees. 

By XXXX XXXX, with no wire of the funds and XXXX XXXX now refusing to answer my calls, my local bank suggested I contact CFPB and make a complaint. I called Synchrony and informed them of my intention. I also requested that the my original {$50000.00} be returned to me and that my Synchrony account be closed. The Synchrony agent, XXXX, informed me that the account could not be closed because they had a policy that no funds could be withdrawn from new accounts for 45 days! I let her know I was recording the conversation and would add that information in my complaint to CFPB. 

That threat seemed to have some effect. At XXXX, a XXXX from Synchrony called to say the {$50000.00} over withdrawal error would be wired that evening to my bank. I also said I wanted to close the account due to the bank 's ineptness. I let her know I was recording the conversation. When questioned about the " policy '' of money from new accounts being on hold for 45 days, there was a long pause before XXXX XXXX stated that was not correct and my origainal {$50000.00} would be returned in three to five business days. It was. 

This complaint was resolved, however I think it is important that CFPB be aware of such unorthodox behavior on the part of Synchrony bank. I have documentation as well as taped phone conversations if you need it. I am sure it was resolved ONLY because of the mention of CFPB, so thank you very much for that. 

Sincerely, 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 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have tried numerous times disputing what the credit card companies are reporting. I also sent letters to the credit bureau telling them that I did not apply for a job or was granted credit with these people and I wanted them removed and I have not received a response from either XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am trying to cancel my Amazon Prime Store Card issued by Synchrony Bank. I have {$0.00} balance. They will not cancel the card because I changed my phone number and they will not accept any other method to verify my identify.

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 2016-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In 2008 We signed with XXXX XXXX in Michigan to have the installation of the windows in our house. Afterward, we had a lot of problems and kept calling their contractor back. In the meantime we received bills from GE Retail Bank, who said they were partners with XXXX ( we never signed with them, the contract we have is solely with XXXX ). Finally, XXXX refused to come out and fix any more problems we stopped payment. GE sold the debt and now we were sued for the debt that we never signed on. We were never aware that we were signing with GE in the first place. They claim we signed with them when we signed with XXXX. Now we have to deal with XXXX, a debt buyer in court over 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 explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When making an online payment there is a multiple choice type selection for what you want to pay. XXXX is the payment amount, another is a custom amount, and another is the full balance etc. I accidentally checked the full balance. I did not realize this until I received a confirmation e-mail only minutes later. Calling the bank to try to resolve the issue while the payment was still pending, they were unwilling to help stating that they were unable. As an XXXX professional I am well aware from a systems standpoint what is possible and what is not. Any transaction based application or other form of software should have the ability to cancel or otherwise reset a transaction before final completion of said transaction. The only resolution I could come to was contacting my bank and putting a stop payment out there. Normally this would cost me money, but I was able to persuade my bank to waive the fee. What if this had not been me that caused this to happen? What if it had been a bug in the software, or someone had hacked my account? I realize that realistically the chances of this happening are exceedingly slim, however, not non-existent. I could understand if the payment had been fully processed and transferred to another system ( still I know there are ways to resolve if XXXX really wants to on a database level ), but this payment had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
( 1 ) An online bank called Synchrony Bank based in New Jersey distributed two months ( XXXX and XXXX in XXXX ) from my IRA CD account based on my XXXX distribution instructions that should have been stopped end of XXXX. They refused to backtrack the accounting entries after making me send them instruction to stop these unauthorized payments. 

( 2 ) Then in XXXX of XXXX I sent them instructions to distribute at end of XXXX a certain sum. They immediately distributed it. On complaint they reversed the entries although not exactly. 

( 3 ) Then on XXXX XXXX, XXXX when I inquired if my distribution instructions will be executed on XXXX XXXX, XXXX. They said they will not comply because there is no wiggle room if an error is made in scheduling the distribution. Hence they will inform me of another date in XXXX when this can be done safely.

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 2015-05-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank ( Formerly GE Capital Retail Bank ) I 've notice XXXX charge off accounts on my credit file so I have disputed the information with all three credit report agency and they came back verified. I Then contacted Synchrony Bank ( Formerly GE Capital Retail Bank ) and I spoke to a Customer Service Representative named XXXX XXXX she would n't provide me with an employee ID. XXXX XXXX informed me that these synchrony/GEBank accounts do n't have any information on them that it was all sent to a collection agency. How did they investigate these accounts with the credit report agents without any documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is wrong information from XXXX XXXX. I talked to that company, they fixed it, and sent me a letter and a draft ( that 's the clear for the bureau of credits ) and I explained that to Transunion and sent them copies of all of this on XXXX XXXX, XXXX, by certified mail, and 3 years later they have done nothing, negatively affecting my credit report. I resent it on XXXX XXXX, XXXX by certified and signature required mail SIGNED by XXXX XXXX in Transunion Pennsylvania. 
This is adversely affecting my credit report costing me MONEY and TIME and there is no way to make them understand that because when I call them I have someone answer overseas and they always transfer me to somebody else or give me a different number to call but my time does not have any value for them. Thanks guys for helping me with this situation and thank XXXX that we have somebody who can make these companies STOP THE ABUSE.

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