vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in 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 2015-12-24 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: TX

Complaint narrative:
Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!

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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from 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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.

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 2016-08-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The following XXXX department store credit issue by Walmart and JC Penny do not apply monthly payments to the highest interest bearing transactions. 
I have promotional rate transactions for both cards that are differed interest and each month they try and pay down my differed interest. 
I have to call them every month and request my payment only be applied to my interest bearing transactions.

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 2015-04-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of last year I opened a new account with a requisite {$50000.00} to take advantage of the promotion that the customer service person mentioned to me ( while I was in the bank on another matter ). I did open a new account and brought {$50000.00} 'new ' money into it ( broke it out of another very good paying interest account with a credit union ) .The promotion indicated that I would receive a bonus {$400.00} after three months of 'new ' money in a new account. 
In XXXX of this year I called customer service asking when that bonus would be available, having left the deposit untouched since XXXX. I was told ( by a very pleasant gentleman, XXXX ) that it appeared that my account had been deposited into another promotion that was running simultaneously and that would yield additional interest, but no {$400.00} bonus. I told him that I had even confirmed this bonus program with the ad in the local newspaper and XXXX said that of course Citi would make good on its commitment and I would receive the bonus. He said that he had spoken with his supervisor and that person would call me within the hour. No one called. 
In the morning, I received a SECURE message. XXXX that needed a special password to open - no password was sent to me. So I called again and spoke with another very pleasant gentleman, XXXX. XXXX researched my situation and again confirmed that Citi would make good on the commitment. The secure message indicated that I would receive {$23.00} as additional interest, but no bonus. XXXX actually deposited the remaining {$370.00} to my account to make the {$400.00} bonus. I was very pleased. 
The next morning I received yet another SECURE message, this XXXX indicated that the original {$23.00} was correct and then the {$370.00} was whisked out of my account. I called back very disappointed, spoke to several people in the XXXX XXXX call center until I finally got back to XXXX. He said that he had exhausted all of his avenues and I would need to go to the branch where I originally made the transaction and speak with them. 
I did that - the manager is no longer there, the customer service representative is no longer there. The representative that tried to help me was told that there were XXXX promotions going on at the same time and I was enrolled in the extra interest XXXX, not the bonus XXXX ( heard that from both XXXX and XXXX ). Note that I was unaware of the extra interest promotion at the time I was told to bring in new money for the bonus promotion. All of the people I spoke with told me that Citi would correct the error and make good on the commitment - although not XXXX has been able to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ardmore Finance Corporation
State: NM

Complaint narrative:
keeps putting hard inquries on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a J C Penney account. My last XXXX orders have been cancelled without any explanation. I have called to speak to them and now I have been given or transferred to XXXX different XXXX numbers all with XXXX speaking people who have not answered my questions. I was told with each I would be able to do a survey on the call and was never given a chance to do the surveys. I would like an answer. I tried to call another number which was given to me by the .com number to my credit card company, this number was actually the first number I had called. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX/XXXX/14 I opened an account with Synchrony Bank through a furniture company called XXXX XXXX. The loan was for {$2000.00}. The application was done by phone in the store by a representative from the furniture company. I was approved and bought the furniture. What I did not know is that this was a promotion with 0 % interest for one year, then after one year the interest jumped to 29.99 % on the unpaid balance. So, now I owe $ XXXX in interest on a {$2000.00} loan and I will never pay it off at this rate. I have been paying for over a year and I still owe MORE than the original loan amount. How can a private bank like Synchrony be allowed to charge so much interest? Other " promotional '' offers on other credit cards such as XXXX XXXX, etc. charge half of what Synchrony is charging. This type of bait and switch should be stopped!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I opened an account with Synchrony Bank/Lowes. My limit was set at {$1500.00}. I used the available limit and then made payments on the account bringing it down to {$1100.00}. I recently paid the balance down to {$800.00} dollars. After I made the payment they reduced my credit limit from {$1600.00} to {$840.00}. However they reported the credit limit decrease to XXXX credit bureaus but failed to report the correct credit balance which significantly affected my credit score resulting in the denial of a loan. So it currently states on my report that I have a credit limit of {$840.00} dollars with a balance of {$1200.00}. I contacted them prior to them reporting and they told me that they would ensure that my balance information would be reported correctly. They did not. I have paid my account consistently on time. They violated my trust with their unethical account practices.

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 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.

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 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

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 2016-12-16 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:
The debt is not mine and I would like it to be removed. It is impacting my life in a negative way. The name on the account is not my name and it is spelled incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I was an XXXX customer. I had a complaint filed with the BBB for unfair sales practices and fraud. ( they added services specifically XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, XXXX XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX, now I am receiving constant calls and letters from Sunrise Credit even though I advised that this was an error and should not be in their records.

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 2016-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I noticed on my account, there is a XXXX account assigned to me.two things wrong with this, one I do n't have a XXXX account, Two I have never lived at the address assigned to this XXXX account. You can check my public records and see I have never lived at the stated address assigned to that XXXX account. I would like it investigated and removed from my records, please. 
Thank you and I look forward to the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: NJ

Complaint narrative:
This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.

Company response to consumer: Closed with explanation