vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony Financial ( parent company of Care Credit ) ATTN : Customer Complaints XXXX, FL XXXX RE : " Holding '' of Funds | Care Credit Cardholder [ XXXX XXXX ] [ XXXX ] The purpose of this message is to alert you to an unfair, possibly illegal action of a financial institution. 

Situation I made a payment to my Care Credit Account on Friday, XXXX XXXX, 2016 ( by phone from XXXX checking account ) ( Confirmation # XXXX ) in the amount of {$1100.00}. The amount was deducted from checking account Monday, XXXX XXXX, 2016. 

I checked online and called Care Credit on Thursday, XXXX XXXX, 2016 to verify the account balance and available credit. To my surprise the {$1100.00} payment was applied to my " available '' credit. 

When I called Card Credit to ask why the {$1100.00} payment was not credited to my " available credit '' I was told that payments in excess of {$1000.00} are " held '' and not applied to available credit for 14-days. 

I spoke to two different phone agents and asked if this " holding '' policy is stated in the terms of use for the credit care. Both said no it was not. I stated that at no time during the payment-by-phone on XXXX XXXX was I informed that my {$1100.00} payment would not be applied to my available credit for 14-days. If this " policy '' had been stated to me I would have just made two separate smaller payments, each of which would have been immediately applied to my " available '' credit. 

Problem It is dishonest for a financial institution to " hold '' my payment of {$1100.00} for 14-days without proper notification, explanation, or warning. To be clear, for 14-days Care Credit ( Synchrony Financial ) generated interests ( profit ) on my {$1100.00} payment while denying me the benefit of this payment ( adjusting " available '' credit ). Why is Care Credit ( Synchrony Financial ) treating a long time honest customer like a criminal? NOTE : *Credit Limit : {$4500.00} *Current Balance : {$800.00}

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 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank changed minimum payments to ensure the promotional balance was never payed in due time. Then they back charged 29.99 % interest. Also, when you enroll in Ebill/Autopay you do not automatically receive notifications, these are hidden in other tabs. This cost me {$3000.00}. If you enroll for minimum payments you will be hit with interest. They claim it is their computer that sets the rates etc. They are using predatory practices and deceptive payments to collect unreasonable interest rates. Do not EVER do business with this company.

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 2016-11-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through. 

My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation. 

My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over. 

This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept. 

I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them. 

Payment Confirmation on XXXX/XXXX/16 of 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 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 JCP 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 as evidence n their response from another complaint I filed with the CFPB that I have attached. 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 and XXXX XXXX, 2016 showing that their account is not marked disputed. 
Synchrony bank can not provide validation of 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 2016-12-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
After acquirring XXXX XXXX XXXX XXXX on XXXX of this year Synchrony Finacial has called and harrassing as many as 6 times a day. Even after we have given them the information that XXXX XXXX XXXX told us to tell them they continue to call multiple times a day.

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.

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 2016-08-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.

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 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seattle Service Bureau, Inc
State: OH

Complaint narrative:
I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NATIONAL SER Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
During our vacation in XXXX 2015 my wife and I were involved in XXXX XXXX XXXX XXXX XXXX scam that included opening XXXX RCI Elite World MasterCard. Realizing our mistake, we cancelled the timeshare within the rescission period, contacted XXXX next day to request the payment to XXXX XXXX XXXX XXXX be stopped, and spoke with Barclay Bank to cancel XXXX our cards. A week later, I received a letter confirming the cancellation but with a balance in the amount of down payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I would like to dispute the validity of Barclays Bank Delaware, Account number 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 2015-12-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was informed my Sam 's Club account had been closed yesterday after making my required payment ( over the phone today ) without any written warnings from this creditor, I 've been paying on my account monthly and my credit limit was {$1000.00}, I only used {$450.00} in credit. The online account summary states my account is open. They had previously closed my account due to a lost card and made my credit score go down XXXX points. I believe they are practicing unfair credit practices. I 'm requesting my current account be reinstated and a letter issued to all XXXX credit reporting agencies explaining the closing of the previous account due to a lost card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change

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