vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Last month I paid my credit card in full but when I scheduled the bank withdrawal by mistake I scheduled two payments for the same amount. The amount paid was the full balance for that month. When I realized that I paid twice, I called the credit card to let them know that I mistakenly paid twice. They said that they will credit back one of the payments, they did. The problem that I have is that the payment that was not retuned to my bank account has not been credited back to the credit card either. I called to ask why this payment was not credit yet. The explanation they gave me was that the money was returned to my account so they have to charge me again, which I do n't understand why. As today it appears that I still own the credit card what I already paid. I do n't understand their statement because it does not reflect that I actually paid. What are my options? I do n't understand how they are making my payment disappear? I like to mention that I pay all my charges at the end of each billing cycle to avoid this kind of problems.

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Opened XXXX XXXX Online card relatively 6 months ago to help improve credit rating. Was immediately approved with a {$600.00} credit limit. Always spent under {$250.00} and all payments made on time. Today without warning my credit line was reduced to {$230.00} with {$8.00} available to spend which increased my utilization percentage and card almost maxed out. I called XXXX Bank/Amazon to get an explanation and was told a letter would be mailed to my address and that it was a business decision after review of my account and credit report. My credit score dropped XXXX points today of which they are a part of that point lose. They have hurt my credit as opposed to helping it without warning or great explanation. I closed the account and was informed I still need to make on time payments and the card could not reopened once closed. This bank is doing more harm than good to helping consumers the reason I had opened the account. They have dropped my score instead of raised it. This matter needs to be addressed.

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 2016-03-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit.

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 2016-07-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied and received an online account with XXXX XXXX that later turned into just Synchrony Bank. I was told I had the option of paying interest as I go or delaying interest payment. I chose to pay as I go. When I called, they said I did n't have the choice. They changed it without my permission to delayed interest payments as long as payments were made on different amounts in different periods of time. But no matter how I made my payments, they shifted money around that did n't pay off the things they said I had paid for with delayed interest, which I never wanted.

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 2016-09-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen

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 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over XXXX years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing XXXX XXXX XXXX, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is a Care Credit ( Synchrony Bank/GE Capital ) settlement agreement and the number on the form,XXXX goes to an automated voicemail saying that the resolutions will be completed by end of XXXX quarter 2015. We are now in XXXX quarter of 2015. No one is available to speak with me regarding my claim. The post card I received in the mail was very vague and said I " may '' get a refund check but, did not clarify the exact status of my claim. There is not another contact number or address that I can find. I feel they are not communicating properly about the agreed upon claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have received over XXXX calls from this time period just on my cell phone alone from Synchrony bank, including automated messages each time. I have received at least the same number of calls at my work number XXXX and XXXX as well as voice messages and I am not allowed to have phone calls of this nature at my work numbers and my cell phone number XXXX since I also use my cell phone for work purposes. I am requesting to not be contacted at either of these numbers. This company is violating the privacy policy as I have already requested them to remove these numbers and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.

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 2015-04-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. 

I disagree with the initial charge, and also with the amount that was charged. 

I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). 

Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Loan Service Corporation
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). 
On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. 
As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. 

Related CFPB case XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used a care credit card for a purchase at my Vets office. I agreed to the terms of XXXX months not XXXX months. The manager of the vets office called the credit card company and advised them she would make sure the terms were changed to the correct terms. I called the credit card department after XXXX weeks to find out why they have not been changed. Then they claim she had to do something on her end to fix it that 's why its not done. I was told I didnt need to worry about it. It was on their end that they saw the notes where she called in to okay it and it would be another XXXX weeks to fix it. A week later I get a letter and I am told it wo n't be changed. I call today and now they clam the office manager never called and made the change even know I know she did because I was on the phone with her when she did on a XXXX way call. I believe care credit is trying defraud me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I established autopay on a new account with Synchrony Bank. I have an email confirmation f the autopay enrollment with dollar amount and confirmation number. A payment was never applied. I called Synchrony this morning, and was cut off, upon calling back I requested a supervisor, who informed me they have no record of the autopay, and that I would need to fax my email confirmation to them, for them to consider, if I had a valid issue. It is unacceptable to me, that they could not take my confirmation number to validate I had enrolled. According to them, they had no record of my autopay enrollment. This is unacceptable. I was told I can not forward the email, as they can not accept emails, only faxes. I now need to fax the email confirmation to them, and they will " consider '' reversing the late fee. I will no longer do business with Sycnchrony, and will be closing the other accounts I have with them. Given this account has a 0 % interest rate for x months, I am wondering if this is something they do intentionally, to earn fees off those who pay their balances in full on these promotions. 
It is a condition of my employment that I maintain my personal finances in an impeccable manner, therefore, an issue like this can cost me my position, or at a minimum, put my career in jeopardy.

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I received a Lowes credit card in XXXX with a beginning balance of {$3000.00} and continued making monthly payments up until XXXX which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of {$54.00} to {$100.00} and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only XXXX of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large monthly payments because anything above the minimum will go to interest alone. I informed Lowes that I never agreed to such a high interest which they said I did. Lowes offered to help me make payments on my account and never mentioned a high interest account. Lowes only said to make minimal payments of {$54.00} a month until spouse gets another job. I stopped making payments over the minimum and my balance as of today is {$1600.00} after 8 years of steady monthly payments.

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