vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Kept calling me all hours snd still do..they told me I could settle my debt for XXXX. And then decided that was n't enough..they are charging me double of what I owe..and went into my account and hacked my computer ... .destroyed it..gave me a worm..threatened to take everything I own..they are suing me for the money I oue them..they said they can enter the Condo I live in, it does n't belong to me.. I was so scared..I do n't think this is right ... they held up my payment and charged me the highest interest.. I lost my job and had to take my early Social security, which is peanut..I asked to help me and they wouldn't.. it 's Walmart..

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 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been behind on payments on a line of credit from Synchrony Bank for SAMS CLUB ; and have been harassed daily by this bank on an average of XXXX or more calls per day for well over one month. I can not pay the bill as of today, but will be able to make some payment within the next 30 days. 

I am simply tired of being harassed by the repeated phone calls and I refuse to answer them. This financial institution is more than capable of contacting me by letter as/if needed. 

I am well aware of the need and obligation for a consumer of financial services to pay one 's balance due on an outstanding credit line, however the actual amount due on the credit line is under {$1000.00} and does not in a reasonable person 's view require Synchrony Bank to call me XXXX times daily. The bank can send me a letter and I can pay the balance off over time. The credit line is currently suspended and I am not able to use it at this time. I will not, however, respond to the harassing phone calls until this method of attempted debt collection ceases as it is unreasonable for such a small amount of debt. 
. 
I strongly believe that I am being harassed by this financial institution and I want the harassment to stop. 

I am willing to pay as much as possible on the outstanding balance as soon as I receive my next paycheck, but will no longer respond by phone to Synchrony Bank. I am sick and tired of being harassed by the bank. 

I have had several issues of debt with other creditors that I have successfully addressed in the last five months, and will do so with Synchrony, regardless of their harassment of me. But I simply will not tolerate XXXX calls a day. It is ridiculous even if it is after XXXX and before XXXX. The debt will be paid, but I 'm done with the harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ref : GAP VISA/SYNCHRONY BANK TEL : XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT HOLDER : XXXX XXXX ADDITIONAL CARD HOLDER : XXXX XXXX Dear sir/madam, this is the 3rd time with-in two years ; some one used our credit card. 
Last some one used our card {$1900.00} on on XXXX/XXXX/2016 XXXX XXXX & XXXX XXXX # XXXX XXXX MD ALL of unauthorized used affected our credit report. 
Specially my Husband 's report ( XXXX XXXX SS # *********** Would you be kind enough to help us? 

Thanks XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX NY 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 2017-02-07 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.

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 2015-03-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard. 
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it. 
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I set up automated payment plan with XXXX XXXX ; however, they failed to deduct moneys from my checking account and assessed me a late fee and my minimum payment went up to {$95.00}. When I contacted their customer service department on XXXX/XXXX/2016 ; representative XXXX confirmed that I had auto-payment in place ; however, it would not take effect until XXXX/XXXX/2016 due date payment. I set up auto-payment in XXXX. XXXX stated he could not reduce my minimum payment.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.

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 2015-09-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Card issuer closed my account without my knowledge or permission. I was not late or had any adverse reason to close it. When I called to inquire all they would say is that I closed it and if I wanted another card I would need to reapply like a new customer. This will hit my credit and affect it. I dont agree that I should have to apply again when I already have the card and applied & was approved the first time. I tried to dispute the closing of the card but the card issuer does not care and they are of no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit care with Care Credit - I used for dental work XXXX 2015. It was 1 year deferred interest. I made my payment each month - then in XXXX - I hit a bump and did not make a payment - then got back on track. Well, that bump - made them charge me over {$900.00} interest. Now I owe more than I charged. Is that right?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays Bank

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had no problem getting the alerts for statements and due dates till last XXXX 2014. THey stopped emailing me. I didnt know when the due date and how much the payments for XXXX, XXXX, XXXX and this month. they charged me with the late fees and harassed me by calling me and sending letters, THey threatened me with filing for code of default. I emailed them and told them I never got the alerts. They replied back and falsely accused me for changing my email address and blocking the alerts. I never did that. And XXXX of their employees sent me a letter and still accused me. He was very narrow minded. And they refused to listen to me. When I called the bank customer service, they required that I should use the XXXX or XXXX. I am XXXX. But I do n't have XXXX or XXXX anymore. I only use videophone. They were so rude and disrespectful. I told them that they need to apologize to me but they refused. The bank 's name is synchrony bank ( Amazon store card ). My lawyer wrote letters to them to stop harassing me and they have to pay off the balance. It is not my fault. You need to talk to them. And they discriminate against XXXX people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. 

Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. 

XXXX clearly stated " XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This credit card company Kohls/Capital One is reporting on my credit report {$1200.00} of debt. I requested proof bearing my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am having a problem with Synchrony Bank regarding a Chevron/ Texaco Credit Card . This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Synchrony Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter. Synchrony admits that they can not provide the contract and also says that they do not own this debt anymore as they have sold it to another company, yet they are reporting it the the credit bureaus. Synchrony Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. 
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
Synchrony Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. I have also attached a copy of my credit report from XXXX XXXX, 2016. 
Synchrony bank can not provide validation of the debt, they admit they do not own the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am registering a complaint against PayPal Credit services for potentially fraudulent handling of my PayPal Extras MasterCard ending in XXXX. For the billing cycle ending XXXX/XXXX/2016 with a balance of {$500.00}, I had mistakenly paid the bill twice. The initial payment was submitted electronically via my bank to a previously closed PayPal credit card, then upon receiving an email from PayPal that my balance was still outstanding, I proceeded submit payment again via the PayPal website only realizing later what had happened. Almost 5 months later, after multiple calls and a myriad of excuses, I have yet to receive either a refund check or a credit to my active PayPal 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 2015-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.

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