vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: GA

Complaint narrative:
While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take.

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 explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.

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 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: IA

Complaint narrative:
XXXX Acct. number Please attach additional pages to file. 
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I need to get lower payments and it is not working. I am XXXX years old and still owe over {$60000.00}! I tried to get some kind of partial forgiveness or a better plan for my federal loans.I am a XXXX and was denied an educator lower payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.

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 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.

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 2017-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.

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 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

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 2016-04-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
From XXXX XXXX till XXXX XXXX I had an account with a limit of {$2500.00}, soon raised to {$2700.00} dollars.The highest I ever had the account was just over {$500.00}. I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked for. Of those XXXX payments XXXX bank drew from the wrong account, the one I had closed. The moment I was made aware I corrected it and resent a payment from the correct bank, XXXX XXXX. Never ever, even with XXXX screwups, was I late on a payment. Yet because of XXXX screwups my account was abruptly closed, and with XXXX reputation I 'm sure you 'll try and XXXX with my credit rating for your own amusement.

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me. 
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people. 
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD
State: MD

Complaint narrative:
Notified lender unable to pay due to medical XXXX. Refrigerator stopped working. money from Retirement plan. Informed them that would make payment as soon as receive money. Provided information from Attorney.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A credit card with Belk Department store escalated interest charges when I did not pay off balance in full.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Walmart refused to take my order online, when even though I had a balance of credit to use it kept saying the card was not able to take the payment. I was transferred multiple times and ignored. They refused to take my payment over the phone and hung up on me repeatedly.

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 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and theft.

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 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Fraudulent charges were made on my credit card in the amount of over {$1600.00}, I reported the incident the moment it appeared on my pending transactions online. The physical credit card has been on my person throughout the entire time and the transactions were made in a location where I was over XXXXmiles away from. 

I tried to report the issue immediately but instead the agent said I must wait until it appears on my statement before they will do anything. I then waited until the statement was completed and remade my phone call, they then closed my account to issue a new credit card with a delivery of 1-2 weeks. 

I then tried to make a purchase using the online portal but the credit card was not available, I then called to make a payment but they never removed the fraudulent charges. I spoke to an agent and they said it is their policy that they keep it occurring interest until their investigation is concluded. I was also unable to make a payment until I receive my new credit card. 

When I received my new card, I activated it and then tried to make a payment on the portal. I called because the now activated card was not present, the agent I spoke to said it will take up to 4 days before the account is linked. I explained I do not want to be held liable for interest or late fees since I pay my credit card in full. He assured me it will not be an issue. 
I am filing this complaint because the method in which they handle this, refusing to remove fraud charges, allowing fraud charges to continue accumulating interest and blocking my access to make a payment, seems to heavily favor them in terms of late fees and interest. I do not trust this company since they are working outside the norm and wish to be protected.

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 2016-05-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks

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 2016-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us.

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