vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016. 
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to. 
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call. 
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone. 
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.

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 2016-05-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.

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 2016-06-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!

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 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There have been several occasions since I was issued a Sam 's Club Credit Card. Initially, I was to use a card with my membership number, then later on I was issued a card with an account. number. The problems were unexpected because I had been paying the the bills on time. After I spoke my cause to the company, I expected the problems to stop, however, they have become worse. 

The problems : -duplicate charge of over {$200.00}, -unaccountable charge of {$47.00}, -card was denied at the register, -I would receive calls telling me there was a fraud alert on the account and I would have to call to clear the alert, and -the online account was not accessible. 

I prefer to pay my credit cards online. I also visit my online accounts frequently. I need the online access and the banks know that ; as such, I am convince they are harassing me as to discourage online activity as well as use the credit card. 

Although I have had few such issues with other banks, XXXX XXXX, and XXXX, SamsClub.com has been very troublesome. 

Please advise.

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 2016-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I been a customer with Barclaycard for couple of years now. On thevXX/XX/2016 I have call the for a dispute matter I noticed on my account. I have stay in contact with them every week. Today XXXX/XXXX/2016 I just fount out my claim was closed because of no communication. I have been transferred couple of times but they would not transfer me to a manager when I asked for one. I have never received a letter in mail or phone call regarding this matter. I am disputing the amount or {$200.00} form XXXX XXXX because I did a online application and was specified to me if my application is denied the money will never been take out of my account. I have the denial letter with all my information. Please help me with this matter

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I contacted XXXX to inquired about my account. I was under the assumption that I had a plus account. The representative advised me that I did not have the plus account and that I had a regular account. She advised me that there was no option for an upgrade on my account to get the plus account and that I would need to apply online for that account, which would be submitting another application for another card. She advised me that if I did reapply and got denied. She advised that I could call in and told them that I applied for the plus card and was denied, that I could the have my account reviewed and get upgraded to the plus card. So after applying and getting denied, I called back in to and was advised that the customer rep that I spoke to basically lied to me and that they are not able to review my account for the plus card. The customer service manager advised that they review the account but can not make any changes to 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 non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blueshore Recovery
State: PA

Complaint narrative:
I was told I had to pay over the phone and sign an email statement. They would not send me paper mail and they do n't take paper payments. This is a copy of " visual voicemail '' threaten to contact my employer ; '' Good afternoon XXXX XXXX this is XXXX XXXX over here would XXXX how you did speak with XXXX of my representatives back on XXXX XXXX regarding your case in your account here in the office you supposed to contact them back to stop my client from proceeding forward for further action but we have yet to hear back from you at the present time they sent your account down to my department if I do fail to hear from you I will assume that you are forfeiting your legal right to resolve this matter on a voluntary basis and at that point in time or notify my client they can proceed to move forward. First I fax it over employment verification to your employers office once employment is verified the client will proceed forward to the next level. The number you would need to contact if this if this is something you would like to still resolve. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. 

I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. 

Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate.

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 2015-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We 've had a Synchrony XXXX account for three years. In XXXX of 2014 we moved to XXXX and had to change our bank from a local credit union to XXXX Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our XXXX bank every month for the next year with no problems. In XXXX of this year, we got a letter saying that our XXXX payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our XXXX bank statements, we had over {$6000.00} in our bank account, and according to Synchrony, a roughly {$100.00} payment was being rejected. Bear in mind, there was no returned or rejected items showing on our checking account. We went into the Synchrony account to make sure nothing had happened to the auto-payment, and it was fine. This month, they have done it again. On the phone, they said that they started to charge our old credit union account from over a year ago, despite the fact that it was deleted from their system when we moved, updated to the new bank and charged automatically each month since then ( with the exception of the past two inexplicable months ). This is hurting our credit, no one is willing to help and reverse what they have done. 

We do n't know why, after a year of auto-payments, the credit card company suddenly changed the auto-pay to a bank account that 's been closed for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blueshore Recovery
State: TX

Complaint narrative:
Blueshore Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX was notified on XXXX XXXX XXXX to cease and desist contacting family and third parties regarding this debt They have all current contact information on myself. Phone, address etc. XXXX XXXX XXXX XXXX they contacted my husbands ex wife, asking for my step son in regards to this debt ... .. I spoke with supervisor XXXX XXXX on the XXXX after they had harassed my sister at work! 

XXXX issue. This debt was paid off in XXXX of XXXX to the cash store XXXX. I do not owe this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My account was marked 30 days past due. I never received a past due notice and never got a call from the company to notify me that my payment was missed. The company told me at some point I opted out of contact. Having worked in XXXX for 10 years I have NEVER missed a payment and would NEVER opt out of communications for reasons like this.

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 2015-06-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was contacted by someone named XXXX XXXX who said he worked for a company called GE Capital. He said that I had been approved for a {$5000.00} loan, but since my credit score was so low that I would have to pay a {$150.00} fee via XXXX. I went to XXXX and wired the company {$150.00} plus a {$3.00} transaction fee. I was then later informed by XXXX, the accounting clerk that I had to pay an additional {$130.00} fee to process the loan. I wired the company {$130.00} plus a {$3.00} transaction fee. This all occurred on XXXX/XXXX/2015. On XXXX/XXXX/2015, they contacted me again and said the funds could not be transferred into my bank account and I had to pay a {$200.00} transaction fee in order to receive the funds. After going back and forth all day, I told them that i could not see them any additional money and I just wanted my money back. This is when I knew for sure that they were n't a reputable company. The wanted me to go to the pawn shop and pawn my valuables and the so-called manager told me that since I could not come up with the money that, in his words, I should go get " XXXX '' and pay them the fee. I told him that I had morals and any other reputable company would not speak to me in that manner and not charge me upfront fees for a loan. When I asked them to please send me my money back, he stated that he could not send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell 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 explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I started contacting Hyundai Motor Finance on XXXX XXXX, requesting payments applied to my principal balance. Each time I was informed it would take XXXX days to be processed. I called XXXX times in the past month requesting to have the XXXX payments adjusted as instructed by the HMF representatives. As of today XXXX XXXX, only XXXX payment has been applied to the principal & I keep getting promised that they will be escalated & corrected. I have refinanced my vehicle and have been charged excess interest due to the previous payments not being applied to the principal balance, in combination with HMF not being accessible for close to a week due to incliment weather & having to wait to receive the payoff information. I feel HMF has dragged out the completion of correcting my payments in hopes to continue charging more for interest. I would not refer HMF to anyone looking for good and trust-worthy customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Razor Capital, LLC
State: CA

Complaint narrative:
I asked to Cease and Assist the debt with the current Creditor Razor Capital and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is 5 yrs old and I am not working XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation