vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 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: NC

Complaint narrative:
Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: CO

Complaint narrative:
I receive calls 7 days a week, from XXXX.- XXXX from random numbers but same company. At times the calls can be anywhere from 15-30 minutes apart to 1 hour apart. This has been taking place for the last 10 months straight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.

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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on XXXX XXXX, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of XXXX. Synchrony bank is can not suddenly say, " oh by the way, you owe us XXXX more dollars 6 months after dog died? Interestingly, there is a 6, month window of time bank is allowed to post amounts due to the card and XX/XX/XXXX was 6 months. I have spoken in depth to the vet hospital and they have said Care Credit / Synchrony Bank is difficult to work with and there are problems with them. Care Credit / Synchrony Bank is suspect in their very poor handling of this account. They should not suddenly, 6 months after a death, decided the customer owes more money, it is irresponsible and causing great hardship on our family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have followed all procedures with FTC I did not open no accounts with Conns. I have no knowledge of the account I would like for XXXX XXXX to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.

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 2016-01-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SAMS CLUB OPENED A CREDIT CARD FOR ME. THEY NEVER HAD THE CORRECT ADDRESS, USING ONE THAT WAS 15 YEARS OLD. WHEN I CALLED THEY NEVER UPDATED WITH THE NEW STREET NAME. I RECEIVED XXXX IN FEES THAT I WANT REVERSED DUE TO THE FACT THEY NEVER SENT THE BILLS, AND THE LAST XXXX STATEMENTS SHOW THE WRONG ADDRESS. FURTHERMORE THEY CUT UP MY CARD AND CLOSED MY ACCOUNT. I WANT A REFUND AND MY FINAL STATEMENT SENT TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Receive more than 6 calls every day back to back starting at XXXX from multiple numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
They will not stop calling. They call on ave XXXX times daily. Since XXXX XXXX I have record over XXXX attempted calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.

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: FL

Complaint narrative:
I purchased a washer and dryer from XXXX. XXXX XX/XX/XXXX for {$2500.00} ( including tax ). There was a 0 % interest loan offered which I accepted. My understanding was the loan would be paid off on installments with no interest. I have never been late on payments. Other than a smale note on the XX/XX/XXXX electronic statement, I was not given notice that the rate was expiring. In XX/XX/XXXX, Synchrony Bank ( which manages the loan ) increased my payment without notice other than the monthly electronic statement. I did not catch the increase until XX/XX/XXXX ( after XXXX payments ). I contacted Synchrony and was informed that the promotional rate had expired and I was being charged interest after the fact ( 29.99 % APR ). The XX/XX/XXXX balance was {$1000.00}. After the interest add-in, the XX/XX/XXXX balance jumped to {$2500.00}. When I inquired about paying the loan off, the only payoff they would accept was at the XX/XX/XXXX level - I was a " a few days late '' in inquiring. I summation, I made payments for XXXX years and by their accounting owe more than I paid for the equipment. 

I have made many purchases with 0 % interest loans in recent years, including a new truck. All of these I made payments to complete the payoff WITHOUT any hidden increase. I was never made aware of this during the purchase and my wife who is very particular about finances was with me the entire time. I have continued to make the payments as I did not wish to default. I have gotten no satisfaction from H.H. Gregg/Synchrony Bank even though I wished to pay the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Gap visa. This account has been opened without my consent. It is fraudulent. XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SACOR FINANCIAL, INC
State: CO

Complaint narrative:
I have a debt collection company trying to collect a debt from XX/XX/XXXX that they purchased from a credit card company. They went to my home state of Louisiana and got a judgement to empty one of my bank accounts without serving me any papers to go to court. and are threatening me now in the state I live in. the debt is 12 years old and past the statue to collect on. and further more XXXX passed a federal law against collection companies doing this in XX/XX/XXXX. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN EQUITY MORTGAGE
State: FL

Complaint narrative:
The loan company is XXXX and the loan officer is XXXX. 
Recently, I had a contract on my home. Over a month later, this lender decided to give a denial letter. We, my realtors, and the buyers asked if everything was ok just a week prior, he said market wonderful. Some issues from an old school debt but that ok. They wanted to extend the contract. Agreeing and asking for more, earnest money deposit. Now this lender waited until 1 day before closing and denied their loan. This has made my house months on realtor called he was very nasty. Condescending, and downright cruel. My name is XXXX the property in question is located at XXXX, FL XXXX From : XXXX Sent : XX/XX/2017 To : XXXX Subject : Re : Loan denial I think Neale should be responsible for that or the loan company cause we were not told about the income they just denied us now we have t start over for the third time this is the second house we lost cause of 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 2015-09-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Basic background on my credit history, I recently got married and had some medical issues that moved me into some trouble with credit card debt. After 2 months or trying to re-establish and gain control of my credit score, I get a notice from Synchrony Bank that they lowered my oldest credit card limit to make it equal to the current balance. Basically a drop of about {$1800.00}. So, while personally monitoring my score, I watched my score rise from a XXXX to XXXX after resolving a bank error delinquency and paying off about XXXX of my current cards ; about {$7500.00} paid out to cards. After this, my score drastically dropped back down to under XXXX because my Utilization WENT UP from a limit decrease. This decrease also showed that I was utilizing more than 95 % of the card from Synchrony Bank. I then contacted Synchrony immediately to find out why they lowered the limit and it was due to the delinquency ( which had been resolved ). So, in my opinion, it does n't make sense that since my score was low, to make it better by raising my utilization. It just seems like a flawed system. Synchrony wanted to offer to run my full credit report again to try and increase the limit back, but I declined that due to the fact that it would impact my score again. The card was originally with XXXX, and ever since it moved to Synchrony, I have been upset with their bank. The worst part is that this is my oldest account, so closing it would drop my score again. It just does n't seem fair, especially for someone who is doing everything they can personally to recover their score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME

Company response to consumer: Closed with explanation