vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
What is the point of consent order : XXXX if the credit collection agency does not have to follow it and the courts ignore it? 

I provided the order in court and the credit collection agency squashed it and the judge would not let me use it to refute the character of the credit collection agency. In fact when I asked the custodian of record was he familiar with the order he said he had never even heard of the order. And the lawyer for the credit collection agency was not concerned about the order as well. In fact he treated it like it was a peace of paper that need to be placed in the garbage. 

A judgement was issued against me based upon the invoices from the original creditor and a bill of sale that did not list my account or connect me in know shape or form to the collection agency. The bill of sale was filed 1 hour before the trial with the courts despite both sides agreeing to participate in discovery. I know you ca n't help me but I just wanted you to be aware that portfolio recovery is not following the consent order and its employees are not even aware of the consent order. 

I am attaching documents from the court case to this email to verify my concerns to you. All the records are public domain. Here is the website for the records XXXX and here is the case number XXXX. 

If you do not have the authority to make them comply please let the public know because if I knew they did n't have to comply I would have settled with them back on XXXX XXXX 2015. I looking forward to a response to my question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.

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 2017-03-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
One past due payment of {$27.00} dollars, on a store charge card, resulted in a credit score drop of over XXXX points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Back in XXXX I was issued a lowes credit card with a credit limit of {$500.00}. Back in XXXX I made a purchase for a couple of fans. I then decided the fans were not necessary and contacted the store where I was supposed to pick them up and told them to cancel the order in XXXX. They did n't cancel the order until the XXXX. They where supposed to dispute the charges. In the meantime the charges still remained on my account and they were trying to make me pay for the said charges for product I did n't receive. Today I go to lowes and try to use the card and it did n't work. Turns out lowes consumer credit lowered my credit limit to {$100.00} with no notice over charges I disputed. I tried contacting them today and was hung up on by the representative. These people chargeed me {$35.00} late fees for items I did n't receive. Now I have a credit card with a {$100.00} limit which is damaging to my credit score because they just decided to lower my limit because of their negligence.

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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased furniture from XXXX on XXXX/XXXX/2015 at that time I was over charged for an item I hadnt purchased. This was financed by synchrony bank on a store credit card. That same day a refund was processed for {$74.00} for the overcharged item. I was told it would take 2 months for this to show up on the card statement. It has now been 5 months and Synchrony tells me they havent received anything from rooms to go regarding this and rooms to go tells me that Synchrony must be at fault because they sent that refund request to them. I have called about this XXXX times for several months with XXXX organizations pointing the finger at the other and neither assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony charges excessive late fees to their consumers. Not only that, but they add it to the balance owed so they add late fee on top of late fee with no option to negotiate a payment plan. This is how they want to make money. Their representative need better training also. They are rude, talk over you and are aggressive.

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 2015-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hired an attorney because the billing was not correct and the bank changed the interest rate without my authorization. Once my attorney contacted the bank the debt collectors started sending robo-calls to my wireless telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclaycard closed my account and took the earned points I had on my account with no explanation as to why. The accumulated points totaled XXXX, with an approximate value of {$15000.00}. I received a letter stating that the account was closed " in accordance with the terms and conditions of the Card Member Agreement. '' The letter never states which term or agreement was violated. I have never been late on my monthly payments or missed any payments. I made several phone calls to discuss this with no success. Each time I was told to mail a letter. Attached is the letter I mailed to XXXX different addresses I was given by Barclaycard Customer Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related. 
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware is refusing to allow me to change my privacy settings in order to disallow information sharing, even though they are required to do so under federal law. 

I received an annual privacy notice from Barclays Bank Delaware today. In the notice, it states that Barclays DOES share my personal infomation with affiliaties and other companies, and that I can limit that sharing. However, when I called the phone number listed on the notice, the representatives told me that they do not share any information and there is no way to change the privacy settings. 
Since their written statements contradict their oral statements, I assume that the written statements are true and the oral statements are false and that they do share. However, since they falsely claim that they do not share when I call them, they could not tell me my current privacy settings and appear to have no way to change them.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted Synchrony Bank for my Walmart credit card account regarding the way my payments are being applied to my account, as I have both a zero interest promotional balance and an interest bearing blance. The rep stated that payments are first apllied to interest and fees, then it is applied to lowest interest balnce to highest. I verified to make sure I understood correctly that any payment above minimum is first applied to interest and fees, then it is applied to the lowest interest balance FIRST before being applied to higher interest balances. He stated this is correct and if I would like my payments applied differently, I can call after a payment is posted and let them know how I would like it allocated. I am confused because I thought the 2009 CARD act prohibited applying payments above the minimum balance to the lowest interest rate first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Care Credit, aka Synchrony Bank, GE Capital bank. I have a current open account with them that was initiated because my dentist recommended it to pay the balance of my dental procedures. This account is charging 26.99 % interest for years and they will not work with me to lower the interest even though I have excellent credit records for the last 15 years. I went through dept mgrs, calls over 30 minutes, and was treated like dirt. please help!!!

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 2015-09-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Dear XXXXQuality Loan ServicingI appreciate your time in resolving title challenges. Your response XX/XX/XXXX raises more questions. 
XXXX has confirmed by letter the servicing was scheduled the last quarter of XX/XX/XXXX only - not XX/XX/XXXX. 
Therefore who ordered foreclosure XX/XX/XXXX - provide documentsMy bankruptcy attorney was not noticed at no time by Quality Loan Servicing XX/XX/XXXX-XX/XX/XXXXI am waiting for response from appropriate parties- Quality Loan Servicing was not obligated to notice bankruptcy attorney or bankruptcy about moving forward with XX/XX/XXXX foreclosure. 
There was a modification pending with XXXXTo date the XXXX XX/XX/XXXX is void- no record foundThe debt was reaffirmed in bankruptcy and provided to XXXXQuality Loan Servicing would you provide any communication to or fromXXXX XXXX ( to QLS ) Bankruptcy attorney XXXX ( from QLS ) Bankruptcy trustee XXXX ( from QLS ) Or any other documents connecting XXXX to QLS after XXXX was taken over by FDIC in XXXX XXXXIt appears there is a violation of the bankruptcy stay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A company from phone number XXXX called my place of work twice and is harassing my employers threatening to serve me papers at my place of work. They have not contacted me personally by mail or by my personal number. My boss has threatened to fire me over this. I do not know how they got my number at work. They say I owe them from a credit card I had in 2007 that was stolen from me. It was an attempted car jacking and my wallet was stolen along with my keys and all my credit cards. I do not appreciate being threatened at my place of employment and having my employers threaten my job over this. They lied about being a law firm as well.

Company response to consumer: Closed with explanation