vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail. 
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract. 
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Made purchases based on no interest promotion. Paid regualrly. Made additional purchase based on no interest promotion. Believed long period of no interest based on promotion expiration of 2018. Paid regularly. One promotional period expired and the payments we believed to go toward first purchase pay-off, went to both purchases so balance left on first promo and ridiculous back amount and continual amount of interest has accrued -- {$500.00} on initial {$1500.00} purchase. In the midst of pay-ff to GE Capital, account changed to Synchrony Bank w/o our consent. This helped to mask the confusion! Is it a common trick? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank closed my Paypal Smart connect credit card account without any type of previous communication or anything, they recently increased my credit limit ( less than two months ago ) and now they decided to close my credit card.

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
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.

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 2016-05-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX 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 explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I emailed my Walmart credit card bank " sychrony bank '' requesting my due date be moved back from XXXX of month to XXXX of month. I get a reply that they could not do this and I would need to call them. I Did, could not connect and did not ring. My request to them was due to me being retired military my payday is XXXX of month however if XXXX is on Sat or a Fri holiday pay does n't post till XXXX so I set up my bill withdrawal dates for the XXXX. However this month the XXXX fell on a Sunday and of course the XXXX was a holiday so my bank did not post payment until the XXXX which is my due date for the credit card in question. For some reason banks take two to three days to do a electronic transaction? I 'm not sure why but assume it is " profit '' driven. Anyway, Sure as rain I get a {$35.00} late fee charged to my account because they did not receive my banks posting on the XXXX until the XXXX. It is amazing to me how fast the can do a late fee transaction but takes two to three days to send numbers back and forth? Can I be charged a late fee when my bank posts the payment same day as the due date? If they can not resolve issues via internet/online e accounts and their " XXXX '' phone number is n't working what are you suppose to do? I think the reason I am having difficulty with this bank is purely " GREED '' driven.

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 2016-09-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.

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 2015-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
yes on my moms walmart credit card our monthly bill went from XXXX a month too XXXX a month??? we did not really charge that much for it too go up XXXX more a month???? so we would like a explanation not happy????? i do have power of attorney im her son XXXX/its in your records?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I received a credit card that had XXXX listed as a benefit. I was told no such benefit exist when I tried to make a claim after a loss on a rental car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc.
State: NV

Complaint narrative:
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.

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 2016-05-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
For over 30 days I have been getting a runaround from Barclaycard US regarding problems that I first reported on XXXX XXXX, 2016. I have had numerous attempts at following up some of which are documented in a letter that I will attach to this complaint. That letter should not be posted as it contains sensitive information The initial problems relate to there lack of compliance with their Transaction Alert policy and lack of awareness of or compliance with their Complaint Policy statement. They have also sent out form letters, one of which they claim was sent in error and no one is able to let me know who, if anyone has my letter to them and when or if anyone will ever respond. 

I have been unable to reach anyone at Barclaycard US who can escalate this to someone who might 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 2015-06-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I borrowed {$8900.00} dollars and the being reported to the credit bureau is {$16000.00}. I asked why is an inaccurate amount being reported to the credit bureaus, they replied that they are reporting interest just in case the loans carries out to XXXX years. This is a misrepresentation. How could they report unearned interest over time plus principle instead of just principle. Other creditors will assume that I took out a larger loan than I did and it messes up my debt/ratio balance. I want the balance corrected. 


This complaint is against One Main Financial ( a subsidiary of CitiFinancial ) Branch number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony XXXX has been charging me a " late fee '' of {$35.00} per month since at least XX/XX/2014. I was told by Amazon customer service that the " late fee '' is assessed because I pay to early. My due date for payment is in the last week of the month but I pay in the first week of the month. This does not make sense to mme and I want my monies back to included interest.

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 2016-12-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.

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 2015-12-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I received a bill for an XXXX XXXX XXXX Mastercard, issued by Barclaycard. The bill was for a past due charge of {$89.00} which related to the card 's annual fee. I never signed up for this Mastercard, nor received the card, nor activated the card, nor used the card. 

I called Barclaycard to deactivate the card and have the annual fee charge removed. They deactivated the card but refused to remove the {$89.00} annual fee charge. Their explanation was that I used to have a XXXX XXXX XXXX US Airways Visa card and that as a result of the US Airways XXXX XXXX XXXX merger I was issued a new card through Barclaycard. The Barclaycard representative I spoke to informed me that if I did not pay the charge, it would go to collections and negatively impact my credit. 

The unsolicited issuance of a credit card and subsequent charge of an annual fee is an entirely fraudulent and underhanded business practice. This is theft. Barclaycard has signed me up for a service without my consent and is charging me a fee that I did not agree to. I did not request their Mastercard, I did not receive their Mastercard, I did not activate their Mastercard, and I did not use their Mastercard. Their actions appear to me to be entirely criminal. They are preying on unsuspecting consumers and I request your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
walmart credit closed my account with no notification. I called and they demanded to run a new credit inquiry to reopen it. I did not request it to be cloed. This effects my available credit and therefore my credit score as would a new inquiry.

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 2015-05-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
A payment was electronically sent to Synchrony Financial from XXXX bank on XXXX. It cleared on XXXX ( the due date ) but was posted with a XXXX date and I was charged a {$25.00} late fee. The posting should have reflected the date the payment was received -- - not the date is was actually posted. I called Synchrony Financial and they waived the late fee but would not admit they posted the payment with the incorrect date. My worry is that Synchrony Financial are doing this routinely to other customers and this could be reported to a credit agency thus affecting peoples credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
An unauthorized purchase of {$340.00} was made on my Sam 's Club credit card account XXXX XXXX. When it appeared on my statement, I contacted the issuer and challenged the charge. I was assured in a phone call to Synchrony Bank ( issuer of the card ) on XXXX XXXX that I was not liable for the charge. When the charge remained on my account, I phoned again XXXX XXXX and was told to ignore it. When it continued to appear, along with late fees, I called repeatedly and was transferred to Collections instead of to Customer Service. I finally got through on XXXX XXXX and was assured that I was not liable for the charge, and that I would receive documentation to that effect within 7-10 business days. The documentation did not arrive and the company kept phoning my wife to demand payment. I finally got through to Customer Service ( after fighting with Collections again ) on XXXX XXXX and was assured that my account had been fully credited and showed a {$0.00} balance ( in spite of the fact that their computerized system had just informed me it was {$450.00} ). I will believe these assurances when I get my next statement. In the best case scenario, it took 115 days, XXXX direct phone calls and countless harassing phone calls to my wife to get this cleared up. Worst case, the saga continues...

Company response to consumer: Closed with explanation