vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as 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 non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank, the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card, send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank, they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information, and the account number the first XXXX numbers were cut off. Also, on XXXX/XXXX/2015 I discontinued my auto pay. Today, XXXX/XXXX/2015. I went on to XXXX site and noticed that they sent to the bank for auto pay. I did received email from XXXX on XXXX/XXXX/XXXX stating they received my request for cancelling auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Excessive phone calls, typically once or twice every hour, sometimes up to twenty times per day. When I answer, it is an automated message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Misleading and fraudulent marketing of thresholds to earn a reward. Was supposed to spend a certain amount in one year period following account opening. I spent the required amount however the company changed the timing such that a material amount was left out.

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 2016-03-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: VA

Complaint narrative:
I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.

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 2015-07-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.

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 2016-11-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclay Bank XXXX Delaware allowed a fraudulent credit card to be opened in my name, after notifying them, providing a Police report regarding identity theft, documents showing that the account was not my account and opened without my knowledge, the representative was rude and stated that it was in her opinion that my wife Opened the account and that I needed to provide a police report naming her as the suspect for them to address my concerns, and that despite the numerous items that showed that the account was not mine, they continue to leave the account on my credit, it a damaged my credit score and continues to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: NY

Complaint narrative:
Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.

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 2015-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is concerning synchrony bank account thru Walmart for {$1500.00} credit line ... A continuance of XXXX bank account issues. I 'm paying 22 % interest on the Walmart card but the told no interest can be paid till the balance is paid off but again I am charged 22 % interest on the balance monthly.. I 'm to be paying {$25.00} per month minimum I 've been paying {$40.00} collars average for months.. XXXX wo n't help me completely pay off the balance, so that I only owe XXXX place. Soon when they say that they understand, thats false because if the cared and understood then they would helphelp me out without the excuse that I am struggling ... Yes I am struggling.. Me I am struggling not the payments, those are ok but to assist I 'm to pay both, paid more then enough by the VA to afford it all but want XXXX to assist so that I only have XXXX debt that the VA pay can cover the other excuse I was given if something happens I ca n't pay.. Yes I can the VA pay is for life and direct deposit to my accountBut synchrony bank I charing me total 44 % interest 22 % monthly now and 22 % when the whole balance is paid off but if its accruing interest now till I go to pay it then I 'm being XXXX taxed on interest I 've tried to get heard but no one is concerned they are paid. But how to get the account gone I 'm trying to do the intelligent and I need assistance but everybody does n't care who is a real supporter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX called me from a private number, I returned the phone call and received no answer. My employer then called me to inform me that XXXX called regarding case XXXX. I called the number back since I found out they contacted my employer and found out it was a collector on behalf of GE Money Bank calling to collect on a debt that is 8-9 years old. The number they called from was XXXX. I have never received any information from them and I could n't even XXXX their company to see what their premise was. I spoke with XXXX XXXX who advised me it was a debt, then said I could agree to go before a judge or they could file a judgment against me for the debt and garnish 25 % of my paycheck. That alarmed me since I was aware they contacted my employer. Since I was unable to find out more about the law firm, I advised that I did n't feel comfortable talking about the issue without contacting my lawyer. XXXX then got short with me and advised that any question I could ask my lawyer, I should just ask him. I, then, hung.up.

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 2016-08-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
i never had this 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 non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have been a Lowes credit card holder since XX/XX/XXXX and have paid my bill on time every month since then. A few months ago, checks were stolen from my bank account, so that account was closed and re-opened with a different account number. When I went to pay my Lowes account, I used the bank account information that was stored, however, it was the old account number so it was returened. However, I paid the amount due as soon as I realized this was the case. Lowes did not notify me this had happened. The following month, I went to pay my Lowes account with what I thought was the updated account, however they had not updated the account number and had the previous account information stored, so it was returned again. Again, I was not notified by the company, only when I checked my account did I notice that it had not been paid. Again, I promptly paid the payment due. Today, I went to check this account to make sure the account was updated or deleted for the next pay cycle and there was a note on my account saying that it was closed due to returned payments. Once again, I received no notification from Lowes that my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation