vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions

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 2017-01-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''

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 2016-01-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I called Synchrony Bank regarding my XXXX account that is pasted due XXXX past due representative who never gave me his ID told me my account has been charged off when I requested to speak with a manager the call was transferred a co worker named XXXX who pretended to be a manager and refused to give the name of the first Rep and when I asked for his manager h ended the call In addition I have lost of income protection insurance which was not applied to the past due account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a couple late payments, but then would pay a large amount to knock down the balance and reduce the credit/balance percentage, but EVERY time I do that, they drop my limit down to a couple dollars over what I just lowered my balance to ... literally a few dollars! 

I 've been trying to get approved on an apartment, paid off most of my credit cards and paid down a couple, including my Lowe 's card after receiving a large paycheck for a project that was paid to me late. XXXX 2015 the balance was {$710.00} XXXX with a {$790.00} limit ) or so and so I paid {$220.00}, then another payment of {$240.00} in XXXX 2015, dropping the balance down to {$240.00} XXXX with a {$790.00} limit ) so that it would be a low percentage of my credit limit and help my credit score ... so days later they dropped my limit to {$250.00}! 

They have done this EVERY time I make any payment larger than the minimum ... it 's not once a year or any regularly set time. So after making this recent large payment, I 'm now " maxed out '' AGAIN and my credit score just dropped significantly more. 

I called them and they just gave me the address to write to the FCRA. 

This can not be legal. None of my other cards have ever done that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.

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 2016-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.

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 2017-01-20 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:
I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I have visible debt collection which was paid in full on XXXX the amount of {$120.00}. I have mailed letter from XXXX of my account balance {$0.00} to the XXXX. Three years later my credit report still shows unpaid ballance. Please resolve this issue so that my account will be clear of any collections. 
Attached please see documents from XXXX and to XXXX proving my payments. 

Sincerely,

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 2015-06-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XX/XX/2014, I paid off some debt, including credit cards financed by Synchrony Bank ( who bought out GE Capital ). After paying off the total balances of several accounts, Synchrony took it upon themselves to close several accounts. Accounts still open had credit limits reduced to the total amount due. All of this was done without prior notice. As a result, my credit took a major reduction in score. I felt penalized for paying off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I ) National HouseHold Appliance store ; Conn 's HomePlus, Store # XXXX, Located in XXXX, Texas, XXXX County, zip code XXXX ; Using Unethical and Deceptive trade practices for personal financial gain. 
II ) Items listed on Contract /Invoice number XXXX, dated XX/XX/2016, in the total amount of ( U.S . Dollars ) {$2100.00}. 1 ) Used invalid Model number 2 ) Invailed Description 3 ) Invailed Unit Price. 
III ) Items delivered were : 1 ) Incorrect 2 ) Used not New 3 ) damaged. 
IV ) Contacted Sales personal XXXX XXXX and Store Manager XXXX XXXX at store XXXX location ; Refused to correct. Stating Corporate Office must correct. 
V ) Contacted Corporate Office ; Conn 's HomePlus, located in XXXX, XXXX County,? Texas, zip code XXXX-Very dishonest. 
VI ) Receiving No assistance from XXXX store, Corporate Office and Warehouse REFUSING TO PICK UP ITEMS. 
VII ) Within the XXXX XXXX XXXX XXXX day period I voided contract /Invoice listed above on XXXX XXXX, 2016. 1 ) Wrong items 2 ) Used Items 3 ) damaged Items 4 ) OVERCHARGED XXXX ( XXXX ) different Credit Cards. 
VIII ) The XXXX ( XXXX ) forms of payment stated on contract /Invoice 1 ) I was totally UNAWARE that I was opening a NEW CONN 's Credit Card thru Conn 's /Synchrony Bank Financial where ( U.S. Dollars ) {$2000.00} was charged 2 ) XXXX Credit Card ; XXXX XXXX XXXX where {$170.00} was charged. 
IX ) I contacted Conn 's Credit Card /Synchrony Bank Financial-I was told CREDIT WOULD BE ISSUED. As of today 's date XX/XX/2016 NO CREDIT ISSUED. 
X ) I contacted XXXX XXXX XXXX Credit Card as soon as I saw it on Contract/Invoice. 
XI ) **SPECIAL CIRCUMSTANCES*** to be noted : On the date I went to XXXX Store XXXX, XXXX XXXX, 2016, XXXX 
It is my belief that Sales personal XXXX XXXX and Store Managemnt, XXXX XXXX used my medical circumstances in " Bad Faith '' to gain Personal Financial Gain. 
XII ) It is my belief that CONN 's has no intention of " GOOD FAITH '' to correct.

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 2017-01-19 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: Conn's, Inc.
State: TX

Complaint narrative:
I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31 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:
I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank opened a credit card account in my name without my knowledge or permission. Then sent me a credit card through the mail to my residence.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We were late, only once, and on no other credit cards or loans, on a Carecredit/Synchrony Bank account over XXXX years ago. This has resulted in a lowering of our credit score and we have on XXXX occasions asked XXXX to remove this detrimental to our credit inasmuch as the mishap happened over that length of time. They refuse. Can you help? 
My name is XXXX XXXX XXXX, and that accuont with Carecredit/Synchrony ended in XXXX. 
We have no other bad credit charges on our reports other than this. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I found that a late charge was assessed to my credit card account ( Synchrony Bank, Gap VISA ) showing the last payment made on XXXX XXXX, 2015 even though my online banking account showed that a payment was clearly made on XXXX XXXX, 2015. When I called the customer service line, I was immediately transferred to the debt collection department. When I explained the situation, the customer service representative communicated that my payment was accidentally applied to a closed account and therefore showed the current account past due. She explained that she would waive the late fee and correct the payment so that it was applied to correct account. She noted that the next payment would not be due until XXXX. I thought the situation was completely taken care of until I received my statement and checked my credit card account online. Not only are they showing that the payment was never correctly applied, they have increased the payment amount from {$160.00} to {$340.00} and have assessed late fees. When I tried to call the customer service department, I was again routed to the debt collection department from which I received a recording that the department was not receiving calls today ( it is a business day during their normal business hours ). I did not want this to impact my credit history so I made a payment online, but the problem has still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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:
I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A fraudulent account was opened in my name by Synchrony Bank/Care Credit. They allowed the opening of this account without contacting me, even though I already had an active account with them. When I protested the account, they removed it from my credit reports, but did NOT remove the hard credit inquiry associated with the opening of the account. I have called their fraud investigative office XXXX times since XXXX, 2015, and yet they have still not removed the fraudulent credit inquiry. I contacted the credit bureau today and was told that only the creditor can remove the inquiry, even though the credit bureau has record of the fraudulent account and an initial fraud alert was added to my account immediately after the opening of the account. Why ca n't inquiries be disputed the same as other mistakes? What recourse do I have when the creditor is uncooperative and/or incompetent and my credit suffers as a result?

Company response to consumer: Closed with non-monetary relief