vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.

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 2015-09-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
We had set up auto drafts from a checking account to pay for the car. Prior to the due date each month for 3 consecutive months we called in a payment prior to the due date and asked that our account not be debited. They agreed took the payment and then tried to take out the second payment each of the 3 months. Not only did they do that but they charged us fees for return payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today 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 non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later XXXX XXXX contacted me by phone ask me to pay the JCPenney bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that XXXX XXXX is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that XXXX XXXX is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse it.

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. 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 non-monetary relief
Consumer complaint received 2016-04-26 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: TX

Complaint narrative:
MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
my wife and I, have an account ( credit card ) with Lowes, we purchased a Refrigerator almost two years, we are making payments. payments are schedule on the XXXX of every month. on XXXX XXXX I sent my payment online using their website, two days later I went online and checked my balance and I notice they had charged my {$38.00} late fee. I called them to fine out why they charged me late fees and the reason I was told is that the payment was posted the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I just received and activated a Barclaycard Arrival Plus credit card. I was drawn to the card because of their offer of XXXX Bonus Miles if I spend {$3000.00} within 90 days. You can see this offer on their website : barclaycardus.com. Now I find out that there is no Bonus Mile offer at all. In fact, the card does not offer miles, period. I discussed this with their Relationship Manager, XXXX, on 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 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received a collection notice from XXXX ( original creditor Synchrony Bank ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.

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: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
We are being charged for things on our account but no one can tell us where they are coming from, the balance we had on the card was XXXX as of XXXX XXXX 2016 and there were no more charges on the account, when we received the bill they were charging us XXXX on top of that i had XXXX worth of credits applied back to the account, and for months it did not reflect, we have asked for help from them so many times, with getting no help at all, no statements ever reflected the credits or the additional charges they claim we have, we have refused to make payment at this point because of the issues that are wrong, and we dont feel we should have to pay interest on the items that have been returned to the account, and the interest a month has not changed, i would like to get this situation fixed as soon as possible, as its interfering with us buying the house we were in the middle of buying, and when i stated to the lady this could cause us to be homeless she laughed about it. this company is the worst to deal with, and reaching people other than a call center and having them demand money is not the way to get it, with the statements from amazon and invoices i have enough to prove we do not owe the balance they claim we owe. we have been trying to work with them since XXXX 2016. they have also locked me out of the account so i can not get on access it, get proper statements or even make payments, they are now currently sending statements in the mail with no information provided.

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 2015-07-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a CareCredit card to use in case of a medical emergency. I felt comfortable knowing that I had access to immediate funds to use in the case of a medical emergency. I had a medical emergency come up and was really relying on my CareCredit card in order to pay for the medical services I needed. I go to use my card and it is declined. They tell me that the account has been closed due to inactivity. Because of this, I was forced to use my rent money. Now my checking account is sitting in the negative and I am being charged more every single day that it is in the negative. I am also now unable to afford gas and food and when the time comes to pay my rent, I will not bad able to pay it. Because of this event my having a place to live and a job is now at risk. CareCredit has been completely unwilling to help other than telling me to just reapply. I will no longer be able to take care of any medical issues because CareCredit decided to close my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.

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 2016-03-19 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a CareCredit account with Synchrony bank. called to pay my account in XX/XX/XXXX fotr the balance on my deffered interest charges. they were not willing to work with me, after numbers of calls i stop payments so they called me by then they had already charched all accumulated interest on the card. I set payments for them to withdraw payments from my personal checking account. I not only have to pay the highest interest on the cards but now that I would want to pay another deferred interest charge on the same account they would not speak with me, because i said that i consulted a financial advisor that also serves a a lawyer for my financial issues. they ask me to call another department that they are not able to tell me who they are. I asked why are they giving my personal information to some one that they can even tell me who they are? All no where in my disclaimer or card notice it says that i am not able to contact a finacial lawyer for my personal finances. i have not receive a call from them and the number i call does not have a business name then you call, goes to a personalized voice mail. mypromotional deferred interest is expiring and they are not willing to take my calls because i mention that i spoke to a financial advisor lawyer in regards to my credit.. they have giving my peersonal information to an identety that they are not able to tell me who they are??

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