vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.

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 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said one was sent out XX/XX/XXXX. I never received it. They have contacted me twice since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the one time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last one? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.

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 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.

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 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX XXXX, 2016 Barclay Bank Delaware on XXXX XXXX, 2016. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.

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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX XXXX we contacted Synchrony Bank and were told our pay off amount would be {$3100.00}. We then doubled our monthly payment to expedite the payoff. XXXX XXXX we contacted Synchrony Bank again and was told that the pay off amount was around {$2400.00}. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the information we requested about our account was no longer available.

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 2016-08-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had four accounts with Barclays Bank. All four of the accounts were closed without prior notice. Three of them had not been used in a while, but the fourth ( Barclay XXXX XXXX ) was active and used often. All accounts were paid in full and on time. The bank refused to give me any reason for the closure of the Barclay XXXX XXXX ( XXXX ), despite my repeated requests on the phone and via email. I have never had any accounts closed in my 40+ years of having credit cards. When I requested a refund of my annual fees, I was told they would not be refunded. I had unused travel rewards of XXXX, which would have been good to offset XXXX of travel related charges. I had more than that in travel related charges against which I could have used the travel rewards. They have refused to give me any credit for those rewards.

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 2015-12-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. 

Thank you for your urgent help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Did not shop at American Eagles and I just got back from XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Firstsource Business Process Services, LLC
State: WA

Complaint narrative:
First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: GA

Complaint narrative:
I would lie to dispute this becuase it is harming my credit score and i am unaware of who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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: AZ

Complaint narrative:
Multiple calls and notices in the mail to an account I had disputed with all XXXX credit unions and was resolved by it being removed. 
I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: DC

Complaint narrative:
Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I opened an account, on XX/XX/XXXX. There were checks ordered, for the account. I should have been billed, for the product, in the first few days, like, by XX/XX/XXXX. The company creating the checks, did n't bill me until XX/XX/XXXX. They did so by check. I never wrote a check. Also, apparently, they have the practice of waiting to bill the customer, until they have produced the checks ( which I claim, is a faulty billing process ). That 's XXXX XXXX. The bank is Bank of Hawaii. The bank charged me XXXX, for the first bounced check, a billing I did n't receive, until 14 days after ordering ; which, itself, is not good practice ; I expect to be billed, when I received the order. I never received any billing statement, or notice of actual cost of the check book, because the account-opening portion of the application ( boh application, ipad ) never stated how much I owed. 

The XXXX XXXX company, bounced XXXX check, for {$13.00}, three times, in the account. They only did that, I assume, because of some protected relationship with Bank of Hawaii. I assume, that an ordinary organization, can not thrice bounce, XXXX check, in an account. So. That leads to the question, why the long billing cycle, instead of a timely one. So. The thrice bounced checks are the fault of the Bank of Hawaii, because of permissions, granted by them, to XXXX of their contracted affiliates. So. I 'm willing to pay XXXX fee of {$26.00}, but not XXXX. The manager comes back with - via the car sales teller, apparently - that he 's willing to remove XXXX overdraft fee, ( so its ok, for a company to double bounce unwritten checks, instead of cancelling an unpaid-for order ). 

In addition, there were {$10.00} per week XXXX balance fees. I get paid once per month, on the first. At the time of XX/XX/XXXX, I was willing to pay {$26.00}, only. But the charge at that time was like {$90.00}. I had my ipad stolen, at the same time, and my debit cards were stolen. I was unable to access my bank account, at the time, to sort out the charges. I would have paid the {$26.00}, but not the {$90.00}. I am requesting to pay nothing more, than the ( XXXX ) bounced check fee, ( ~? ) {$13.00}, for the cost of the checks, and any XXXX $ balance fees that happened, before XX/XX/XXXX. 

In other words. The additional XXXX overdraft fees, are the fault of Bank of Hawaii, and were not authorized by me ; and, I deserve time, to be able to talk about it. 

Thank you.

Company response to consumer: Closed with monetary relief