vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!

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 2016-01-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I went to a XXXX Department Store in XXXX, Pa. I gave the clerk a XXXX XXXX for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my XXXX score. She went into computer and handed me the reciept which I figured was charged to the XXXX card. over a month later I got a bill from a XXXX Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like XXXX XXXX and XXXX bank pulls off telling you it is only a rewards card not a credit card but illegally proocesses a unrequested credit card application. The XXXX card submitted to pay earnd points at XXXX and in a subsequent call to XXXX they agreed to send me a Marshalls bill, take things off their card and cancel it and I would pay the Marshalls bill with the XXXX card that I was scammed out of using thus losing VALUABLE XXXX rewards AND getting a XXXX card I did not want with predatory interest rates and fees. However they failed to do so and instead sent a letter asking me to send them proof i paid with XXXX. It was very clear in phone conversation they SHOULD HAVE PROCESSED XXXX BUT SCAMMED ME, ISSUED THEIR CARD AND CHARGED THEIR HIGH INTEREST CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank / TJmaxx was harassing me by the phone telling me for a debt that was not mine I contacted the bureaus and they told me to contact Synchrony Bank. after alot of back and forth. They threatened me with legal action but. They did NOT provide me with any documentation validating 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 2016-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear XXXX When I was purchasing items at TJ Maxx store back in XXXX XXXX, I opened the account for TJX Rewards Platinum Mastercard, which is a part of Synchrony bank. And few weeks later I returned some items for refund. I had a credit of {$170.00} in my TJX Reward Master card account. In XXXX XXXX I received a check of {$170.00} and I deposited it to my XXXX XXXX XXXX Account but the check was returned. As of XXXX XXXX my TJX Reward Mastercard statement balance is {$0.00} and I still have not received my money back.I have all the documents regarding this matter. I talked to TJX customer service manager many times in last 12 months. I faxed all the documents regarding the returned check. But only answers I received was that they were investigating this matter. They were investigating this for more than 10 months. Finally last XXXX XXXX when I spoke to XXXX of their customer service manager again, she said this matter was resolved and they will mail my check within 15 days.It has been more than 2 month past and I still have not received my check.It feels like they just do n't want to pay me Can you please advise me what process I can take to get my refund. It has been more than 12 month since this happened. 

Sincerely Yours

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 2016-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I lost my job due to career change. I had to take a job in XXXX, Texas. My primary residence is in XXXX, Texas. I discovered Lowes Home Improvement was charging me an excessive 24.99 % APR and called them to ask for help since I was having financial difficulty managing XXXX separate households. They connected me with Synchrony Bank hardship department. The understanding I had with them on the phone was they could help me with a lower interest rate, BUT, I needed to close my account first. So reluctantly, I closed the account. However, its now been over a month since I did what they asked and I have yet to see a lower rate? All I 'm asking for is a little help. I do n't feel like {$150.00} a month in interest is fair. Especially towards someone that 's been a valued customer for over 15 years. I just ca n't see the logic in paying that much interest on an account that 's since been closed. Please help me.

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 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
WE HAVE SEVERAL ACCOUNT WITH THIS COMPANY WE HAD A FAMILY EMERGENCY MY DAD PAST AWAY I CALLED EVERY ONE OF THERE CARDS AND TOLD THEM THAT WE WILL BE OUT OF WORK AND OVER SEAS AND WAS PROMISED NO LATE FEES WILL BE ASSESSED BUT THEY DID AND REPORTED ME TO CREDIT BUREAU AS LATE WHICH RUINED MY CREDIT SINCE THEY HAVE MOST OF MY ACCOUNTS

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 2016-04-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Unauthorized cash withdrawal was taken from my credit card account. I reported the fraudulent activity to the credit card issuer and the charge is still showing on my account. The bank is Braclaycard and the case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter. 
I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SACOR FINANCIAL, INC
State: GA

Complaint narrative:
Debt collector " XXXX '' attempting to collect on invalid debt.

Company response to consumer: Closed
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB is reporting an old ( 7+ years ) negative account on credit report with balance due and attempting to collect debt even after they provided letters stating they have terminated their collections and not reporting this account to the bureuas. See attached letters received from syncb/mervy 's account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.

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 2016-03-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of {$500.00} in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from {$500.00} to {$100.00}. When they first changed my balance, I did not know, and they lowered my balance below what I had charged. This change in my balanced cost my payment to change from {$25.00} to {$30.00}. When I received my next bill, Synchrony Bank had charged me an additional late fee. I do not understand how a credit card company can practice Re -pricing based of off unrelated accounts. I truly believe I am being discriminated against because of my race, and because I continue to payoff my balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation