vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have an account with USAA who is located in XXXX XXXX Texas. Duringg the last week, I had a situation whereas my bank account was frozen. I did have a chance in telephone number, address, and because I feel I made purchases the bank froze my account. I was made to make XXXX phone calls XXXX XXXX XXXX and identify myself twice. My second phone call was sent to the fraud division. The monies in this account contain my rent, food and money for bills. Today I made XXXX phone calls each time security was an issue. Yes I moved and have a new telephone number. This is my right, and for the bank to freeze my monies I felt this was suggesting that I was committing fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I work for the XXXX. This collection agency is constantly calling my office phone as well as my work cellphone trying to contact a person that I have never heard from. I have explained this to them several times both in person and by leaving messages. The last time I spoke with someone there I again explained that there is nobody here by that name and to please remove both of the numbers from their call list and that these are XXXX business numbers. While explaining this to the agent she was giving me attitude and humming " mm-hmm '' and when I asked if she did n't believe me and told her I was going to file a complaint she hung up on me. The phone calls continue and every night when I come in to my office there are messages from this agency, sometimes 3 to 4 in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX and I have a personal line of credit with Sam 's Club. I had an available credit balance of {$1000.00}. I paid my bill and an additional {$75.00}. After I paid my bill, Sam 's Club lowered my credit balance to {$800.00} leaving me to be over my limit by {$23.00} ; which has now negatively affected my credit. I have not missed a payment and when I called to resolve the issue, they did n't bother to give me a reason. I was told that the boss did n't take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?

Company response to consumer: Closed
Consumer complaint received 2016-08-13 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: Diversified Consultants, Inc.
State: CT

Complaint narrative:
Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
We attempted to make payments to Sam 's Club XXXX and our electronic payments were not accepted by their bank without explanation. When I called them they could n't explain and declined to call our Credit Union. Then they charged us interest ( at outrageous rates ). I cancelled the card and they cancelled the points we had earned. We have a decades long history of paying all our credit cards in full and on time every month and have never experienced this problem with any other credit card. Our credit rating dropped from over XXXX to the low XXXX 's, I assume because of them. - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I bought furniture from the Conn 's in my area in XX/XX/XXXX. Everything with the furniture was perfect the problem is with the company 's customer service skills and lack of empathy on their cardholders. I had a baby on XX/XX/XXXX and that caused me to be out of work for a couple months. I had half my income coming in and my husband was n't working at the time. I had bills to pay and Conn 's was XXXX of them. I called all my other creditors and they were able to help me in regards to my situation. Conn 's on the other hand, was very rude, and did n't want to help in any way shape or form. I tried my best to pay the bill but unfortunately fell behind on payments for about four months. They would call my cell phone number so many times a day I had to block all the phone numbers they called me from. This went on for months, even after I would answer and ask them to stop calling and to see if we could work out a solution because it did n't want to stop paying them. I did n't want to ruin my credit or get my furniture taken away. Since the collections agents did n't want to help I just decided not to answer anymore and just call customer service. I called numerous times, spoke to managers but they were as rude as the customer services agents. The loan was 12 months no interest, which expired in XX/XX/XXXX. I was n't aware that if I had a missed payment I would get all the interest charged on the account. Well back to my four months of not being able to make payments, I got hit with so much interest that i ended up paying more than the furniture was worth when I got my income taxes back. I called the company to see if they were able to help me with some of those charges because i was ready to pay them in full if they were willing to work with me on that. After struggling with an insensitive customer service rep I asked to speak to a supervisor. The supervisor said there was nothing she could do and that I had to pay the full balance. After arguing with her I decided to be the bigger person and just agree with her and pay the balance in full. I asked her to send me a letter of confirmation saying the balance was paid in full and to close my account. She sent me the letter and closed my account. I 've been receiving letters from the company still, after I asked my account to be closed, that I have some credit available to make purchases. It does n't make sense to me if I close an account i should n't have an open line of credit. I 've tried to call the company to stop sending me those things. They do n't answer their phones. there are no messages saying there are closed, it just rings for awhile then the call drops. This company is very unprofessional and rude. I do n't want anyone else to go through what I went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX a family member of mine bought a vehicle using Synchrony Bank Financial for financing. I was placed as an authorized user on this credit account. XX/XX/XXXX the account was closed and my family member continued payments until XX/XX/XXXX at which time the account went delinquent. This was then placed on MY credit as a past due account. I have made multiple attempts to call Synchrony Bank and no one can pull up anything under my information. The account # shown on all my credit reports is only linked to my family member showing me as an authorized user on the account and Synchrony bank had XXXX different employees tell me on a recorded line yesterday when I spent 4 hours trying to find information on the account that it should not be on my credit since I was not the financee and just an authorized user. This account has been detrimental to my credit rating and no one can seem to tell me why it is on my credit or even find the account with my information on it at all to tell me who to speak to about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I obtained a credit card from US airways that became a Barclay card. There was an associated member fee that I did not pay due to the fact the card name was changed from us airways to Barclay and i did not realized the fact until late. the account was closed. I wanted to pay them whatever was due at the time of the account closure but they refused and keep adding an exorbitant fee each month on an closed account. I need you to help me find a fair solution to XXXX parties. I want to pay what the money for the annual fee but I do not want either to fall victim of extorsion. I believe the fee should be around one hundred dollars but now they want {$270.00} by early XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Debt acquired XX/XX/XXXX. Original Creditor ( GE Capital ) apparently is now known as Synchrony Bank. Either the OC or Synchrony Bank sold the debt in XX/XX/XXXX. Synchrony Bank XXXX who no longer owns the debt ) has contacted the credit bureaus requesting to review my file on the following dates in XXXX : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have no business inquiring about this debt any further. I have not authorized them to continue to harass me. I want them to cease and desist. There 's no valid reason for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Letter from Selip & Stylianou , LLP states : I last paid on XXXX/XXXX/XXXX on a XXXX bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.

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 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.

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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have paid my bills on time and have a good relationship with my creditors. However, my new JCPenny Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
XX/XX/XXXX we purchased furniture from Ashley Furniture. The loan was with GE Capital, loan number XXXX.The payments were interest free for 3 years. The store salesman said to just set up a constant payment of XXXX and forget about it for three years. " What could be simpler '' .The payments were XXXX dollars a month. A few months into the loan they changed the payment to XXXX. I adjusted my payments. Then they changed the amount again, without my knowledge. I continued to pay XXXX but this became partial payments which allowed them to begin charging fees that grew and grew. When I discovered I would pay more than the payment and more than once a month trying to stop the growing of fees. I have n't been able to access the account because I have been without Internet. I am able to access the account now, the bank has changed from gogecapital.com. I searched my emails and found that they sent an email XX/XX/XXXX wanting XXXX, or they will charge off the account. I did not receive this email because I did not have access to the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a credit card with Synchrony Bank. Synchrony Bank has unjustly ruined my credit. Since, summer of 2016, I have had issues with receiving my credit card statements in the mail. I contacted Synchrony Bank to let them know that I was not receiving my paper statements. In XX/XX/2016, Synchrony representative suggested that I make on-line payments. I went ahead and followed their advice. Since, XX/XX/2016, there has been an issue with Synchrony Bank processing and posting my on-line payments through their website. I have been erroneously and unfairly charged outrageous fees because of such. Synchrony Bank has also sent my account without contacting me first to a collection agency. I have paid the collection agency the amount due with no issues. I would like for someone to look into Synchrony Bank 's practices. It seems through my research, I am not the only person having these issues with Synchrony Bank. I would like Synchrony Bank to remove all of their unjust fees that they have erroneously charged me as well as fix my credit report. Synchrony Bank obviously has an issue with their on-line payment system, as well as, incorrect mailing of paper statements to consumers. I should not have to XXXX down a credit card company to pay my bill, not to mention it is very difficult to get a representative to help you or even understand the issue at hand. It 's absolutely ridiculous, you are unable to pay this company.

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 2016-04-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.

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