vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have paid Barclay bank XXXX for XXXX months. I have paid what I believe to be the monthly charge plus extra toward my past due balance. I have a statement sent to my email monthly from Barclay with a link to log on and see statement. I do not remember my log on information. I have called the company to request help and am directed to a collection agency that will not give me my full account information or any other assistance to log on and see account. They state they do not have access to that information as they are a collection agency. They will not connect me to Barclay Bank to request assistance stating Barclay does not have my account, yet they send me an email monthly with statement. I am unable to switch to paper statements as I do not know the account number. Someone from this account calls me daily for collections despite my paying weekly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Lowes Credit Center keeps calling our business & hanging up. We have told them about 13 times already to remove our phone number out the list & that whoever they 're trying to contact to use their personal phone & our staff ca n't recieve personal calls. They are disruptive to our business. They say they remove our number but we still get the daily all day hang up calls. By the way they also violated privacy of the person they were really calling by telling me the name & reason for their call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.

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 2017-01-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
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 non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
in late XXXX early XXXX I sent a letter certified, registered mail, return receipt requested, to Synchrony Bank regarding my XXXX card, in order to request a payoff amount on what they said that I owed on this credit card. They received the letter but I have yet to receive a payoff amount in the mail. they 've completely ignored me. I filed a complaint with you about this and they said that they sent me a mail they snswered my mail but I have not received anything from them. I 'm just trying to clear this up to pay it off and they are not, absolutely not, working with me at all. All I want is a payoff amount that they will accept to get this cleared up it 's not difficult, it 's not hard just a payoff amount.

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 2016-07-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays Bank Delaware closed all my accounts without just reason. Indeed, they are allowed to close for no reason, under the cardmember agreement. However, credit card points accrued should not be forfeited without giving the customer ample time to redeem 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 monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
For over a year, Synchrony Bank has been issuing unsecured credit in my name. After countless letters and documents, the Bank continues to provide credit inquiries and harass me regarding its inappropriate and questionable behaviors. In XXXX XXXX the Bank opened a fraudulent XXXX account. After working through the tedious process the Bank sent me a vindication letter dated XXXX/XXXX/XXXX that stated, " Our investigation of the account has been completed, and the claim has been resolved in your favor. '' I trust that American public had to eat the charges as I am sure the Bank took the loss as a tax deduction. On XXXX XXXX, XXXX, I received a collection call regarding this account ; whereby, a collection representative attempted to make me pay for a {$660.00} jewelry item purchased at XXXX 's during XXXX XXXX. Synchrony Bank is a ruthless. As an identity fraud victim every other bank has acted in an understanding way.

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 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/2013, I ran into Old Navy to get a bag and my daughter a swim suit for a trip we were heading to. However, the cashier asked if I would like a discount card to recieve coupons, I said yes. However, she never did say it was a credit card at all! So after she said I did n't owe any cash, I knew something was wrong, I then asked her how that was possible, she said you just signed for a card with us. I then told her I did not want one and to make it stop and I 'd pay cash, it was miscommunication. She then went on to tell me It was to late, I needed to contact her Supervisor, never did get a hold of him. I would like this solved. This should n't be holding me back from my future! 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: USA DISCOUNTERS LTD
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I sent a validation letter to a USA Discounters XXXX an account listed on my credit report. The collection agency responded that they were not considered a debt collector as defined by the Fair Debt Collections Practices Act ( FDCPA ). They did not provide proof of debt they are claiming I owe. In the state of Texas, debt collection means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. In addition debt collector means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. Therefore, I feel that they should respond to my request of validation for a debt they are claiming I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I called two months ago and requested that my due payment day will be the same day as another barclay card which is on XX/XX/XXXX. Barclay failed change the day and as a result I have two late payment fees. XXXX in customer service told me that I am lying and that I never called.

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 2016-10-12 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

Complaint narrative:
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called XXXX XXXX XXXX XXXX 
-After investigation, I found that XXXX XXXX bought a false debt from Synchrony bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, XXXX ruined my good credit history by sending invalid claims to the major credit reporting agencies.

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 2015-12-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclay 's closed my wife and my credit card accounts after having a positive history of using the card, nearly never carrying a balance month to month, and having cards open for multiple years. 
At no time did we ever receive any negative feedback or notifications that Barclay had any issue with my 'history of account usage '. 
In fact, despite the 'history of account usage ' that Barclay refers to in the closing, Barclay increased the credit limit on my card and my wife 's card in the past year, encouraging what they must later have decided is a poor 'history of account usage '. They also upgraded our cards to XXXX XXXX elite during the same period of 'history of account usage ' that was present during closure. 

In fact, I started using my primary card, the Arrival, exactly in a fashion that was advertised. I started using this card originally for everyday spend as well as to buy XXXX XXXX Gift Cards through the Barclay RewardsBoost mall, which they advertised on their own website was a great way to earn extra rewards. 

It seems clear to me that Barclay is closing our accounts because it is not profitable to provide us with rewards under the current program that they advertise, even though on their website, even today, it still shows " Earn XXXX miles for every {$1.00} you spend on all your purchases '' and Redeem for travel statement credits starting at XXXX miles for {$25.00} toward a qualifying travel purchase of {$25.00} or more made within the last 120 days ''. 

With my last statement ( XXXX ) I had redeemed XXXX points ( {$140.00} ) but still had XXXX points adjusted at the closing of my account. 

If returning my account to good standing is not practicable, a payment for the miles which would have been worth the sum unredeemed as well as the annual fee for the services I could not receive but had already paid for seems reasonable : XXXX XXXX XXXX = {$380.00}. The 10 % bonus would have added {$38.00} when used for travel redemptions, which I always have available since I travel for business. This totals {$420.00}. 

My wife 's card had XXXX miles, which would have been worth {$19.00} XXXX XXXX = {$21.00}. 

I also paid a {$95.00} annual fee on this card, and on my wife 's card, totaling {$190.00} in fees which I am now not able to fully utilize given the cards were canceled in the middle of the membership year. 

This means my monetary damages from these XXXX closed cards are {$420.00} XXXX lost redemption, self ) + {$21.00} XXXX lost redemption, wife ) + {$190.00} ( annual fees ) = {$640.00}. 

I appreciate your quick response to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
They continue to call my phone several time a day, i have a due date and and also have a date to pay more if its late. But this company call after one day pass the due date not the late date and they call all day they also use several different Phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I requested that the XXXX party agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
1 ) XX/XX/2016 I am supposed to receive my rewards check for over {$670.00}. 
2 ) I never got the rewards check, and when I called the back they told me that the check is already cashed. 
3 ) I opened a complaint and working with them for Synchrony back for 4 months. 
4 ) They keep telling me that they have mailed me a copy of the cashed check for me to confirm the signature on the check. I never receive that also. 
5 ) The custermer service is completely useless and rude and not yet solved my problem.

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 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been harassed by Synchrony Bank for the last month. They say they never received my XX/XX/XXXX payment even though they processed my electronic payment. I have the proof from my bank but they say they wo n't accept an email, I must fax or mail the proof. I did n't make the mistake and I am not willing to do all the work when it is their mistake. I need to buy a car and they are preventing me from being able to qualify for a car loan. I want them to make THEIR mistake right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank has called my number XXXX plus times a day even on Sat and Sunday even after XXXX. When I answer I 'm either hung up on, placed on hold and if I start speaking I 'm disconnected. I have not been able to even speak to someone to say anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: UT

Complaint narrative:
I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation