vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a Lowes 0 % credit card because I was doing renovation on my home. I wanted to make large purchases and have an opportunity to take advantage of their 0 % for 6 months offer, as I would be getting several large checks to pay them off. This is the payoff scenario : Purchase Date/Purchase Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$41.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$740.00} / {$720.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX I made a payment of {$770.00}, which should have wiped out the first XXXX payments, left the XXXX balance with {$32.00}, and the last balance as is. 

Instead, they spread out my payment ( see below ), and did NOT pay off the soonest expiration date item, and applied a portion of the payment to a balance that isnt even due for 17 months! 
Purchase Date/Amount/Balance Left/Exp date of 0 % interest XXXX/XXXX/XXXX / {$620.00} / {$37.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$340.00} / {$30.00} / XXXX XXXX, XXXX XXXX/XXXX/XXXX / {$3700.00} / {$3400.00} / XXXX XXXX, XXXX The Credit Card Accountability, Responsibility and Disclosure Act ( or Credit CARD Act ) of XXXX requires that credit card companies must apply your entire payment, minus the required minimum payment amount, to the highest interest rate balance on your card. That requirement took effect XXXX XXXX, XXXX. I 'd have to assume this would also apply to expiring promotional rate payment allocation. 

I called and complained to Lowes customer service and they reversed the payments and reallocted how the payment is to be paid off. I did see a " footnote '' in their statement, that they will apply payment how they see fit and if the consumer wants to reallocate the payment in a different way, it 's the responsibility of the consumer to read and understand the fine print and call THEM to tell them how to allocate payment. This is deceptive. This credit card company was allocating my payment in THEIR best interest, not mine.

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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX, 2015 I reserved XXXX seats on XXXX flight to New York through XXXX. for {$1100.00}. XXXX XXXX declined the charge without notification to me to approve the charge. 10 hrs later my card was declined so I called to find out master card had put a hold on my card suspecting fraud at XXXX. At XXXX I called them to find out they had put a hold on my card and said they would then approve the charge. Assuming all was well I went about my business. But the next day I decided to be sure the flights were paid for to find out I had to use that day cost of flights and it was {$240.00} more. XXXX lied on their records that they had tried to call me. I called them 10 hrs. later and I am on a fraud call list. I want master card to honor their costing me {$240.00} more. Per their notes they lied about calling my cell or texting as they have read me the notes. I want justice now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.

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 2015-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IN

Complaint narrative:
today I received a call at work from Cardinal - XXXX XXXX at XXXX and my cell phone using the number XXXX x XXXX. She is threatening to prosecute and have me picked up. they want {$2700.00} and then changed the amount to {$500.00}. They are calling me at work. They are calling my family. They called my dad last night in Illinois. we are all on the do not call list. I filed a report with the FTC ref # XXXX. This is a Scam. I want it stopped and I want them to quit calling family. They are leaving automated messages and leaving messages for me on family phone numbers. they are crossing the line at calling me at work. Please HELP!!!!! 

I have no idea what they are doing other than trying to collect money, which they are not going to get. I have never heard of this company.

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 2016-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.

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 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: OK

Complaint narrative:
In XXXX of XXXX, I purchased a Mercedes XXXX with a consumer loan from Mercedes Benz Financial. The loan was paid off with 2 years. I recently went to trade in the Mercedes on another vehicle only to discover the title I had still had the lien on it. I contacted MB Financial and asked them to send me another copy of it. They refused to do so without a letter and a {$20.00} fee because of " the amount of time that had lapsed since that account had closed. '' I was informed that a copy had already been sent to me. However, I provided documentation that not only did I not receive a copy, the Oklahoma Tax Commission had not received a copy. I had a printed letter from the OTC dated XXXX XXXX that the lien was still in place. I informed them that the Tax Commission required that lien releases be filed within 7 days or the company or be subject to fines. I was told it did n't matter and that I would still be required to pay the {$20.00} and request in writing the release. All of this delayed an already consummated business transaction to trade the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.

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 2017-01-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using 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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX Consumer Financial Protection Bureau Case number # XXXX - Decision Not Fair enough AE Credit Card # XXXX I am not agreed your decision .it 's not fair enough .Please double checked my call records and your corporate office one of manager they agreed to grant Visa card. 
And also Universal data form AUD # XXXX bank submitted only removed account only. all the major credit report that account already removed and XXXX Hard inquiry on XXXX/XXXX/XXXX still remains. Please removed that hard inquiry as soon as possible Due to I have so many accounts maintain your bank and please reconsider my request. 
Until I am getting fair resolution I am keep sending complain though CFPB. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX, I made an automatic e-pay of {$4800.00} to my Banana Republic Credit Card ( Through Synchrony Bank XXXX account from my XXXX Checking Account. 
Additionally, forgetting I had e-pay set up, I had an additional payment made for the same amount. 
Realizing my mistake, I called my bank, XXXX, and asked them to return one of the payments. They proceeded to stop payment on ONE of the payments on XXXX XXXX. 
Unfortunately, you have listed TWO adjustments for that amount. When I spoke to one of your customer service representatives, she explained that she saw XXXX payments had been returned. This seems incorrect as XXXX adjustments have THE SAME reference number, when XXXX payments DID NOT. 
Since then, I have spoken to numerous people regarding the status. I was originally told I would have an answer by XXXX XXXX. When that came and went, I was told it was in process. As of my most recent call, today, I was told that there 's no way I can speak to someone on the payment correction team. As a result of this, I have had a late fee applied, interest charged. AND YOU CLOSED MY ACCOUNT ( which has since been reopened. seems crazy for one issue after I 've been a VERY GOOD CUSTOMER. ) I am attaching the statement from my checking account showing that one payment did, in fact go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I signed up for the Amazon.com store card, as it offered an interest-free special financing deal for 12 months, which seemed like a smart way to make an investment in new tools for the business. 

I made the purchases over time time period XX/XX/XXXX. I then received a bill over the XXXX Holiday, over which I was out of town and then slammed working 12 hour days. When I finally had a moment to check bills, I saw that Amazon had issued a bill that somehow had a due date of XX/XX/2016 -- less than 30 days after the purchase was made, giving nearly no time to pay the bill before the account went delinquent, a late fee was charged, the special financing turned into penalty financing, and collections agents began calling me. 

To me, that is a predatory lending practice that utterly violates the 30-day rule on credit card billing for consumer purposes in the United States. I will be closing this account and never doing business with Synchrony Bank / Amazon again. 

However, I would also like the CFPB to look into this case very closely, as I believe this may be a predatory lending institution out to fleece larger numbers of unsuspecting Amazon customers, with no intent of ever sticking to fair and honorable business 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 monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Paypal is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Paypal is ignoring. I even contacted Paypal but they have yet to make any changes as they are looking into it. This is for a credit card that had a credit limit of {$500.00} and was opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: USA DISCOUNTERS LTD
State: OH

Complaint narrative:
I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.

Company response to consumer: Closed
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an account with Care Credit ( Synchrony Bank ) for various XXXX related expenses. Their claim is pay within the stated time frame and there is no interest. I have XXXX separate promotional balances I am paying and all XXXX have different expiration dates ie, the date where no interest will be incurred if the balance is completely paid on that promotion. I received a statement last month stating a balance was due to expire ( ( {$540.00} ) and I sent {$300.00} expecting I would send another {$300.00} this month - pay off that balance and apply some money to another balance that is not due to expire until next year. Instead, they split my payment and applied only {$100.00} to the expiring balance making my payment this month {$430.00}. When I called them, I was told my payment would actually be {$430.00} plus {$210.00} ( the minimum balance ) to avoid interest charges on this particular promotion. This is outrageous and intentionally sets consumers up to 'fail ' so that they incur all these interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

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