vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have an XXXX XXXX Mastercard through Barclay 's bank which is supposed to give me XXXX free piece of checked baggage on a XXXX or XXXX XXXX flight. I was charged for baggage both legs of my rountrip flight. I called Barclay 's bank and was told i should call the airline. Since Barclay 's is the card company, and they sold me the card with the promise that i get XXXX checked bag for free, i feel like it is the card company that should reverse the XXXX {$25.00} charges. They say the fine print requires that i make the reservation using the card, but the brochure that came with the card simply says i get a checked bag for free in very clear print. I have attached this document. Note that it does not qualify the promise of XXXX free checked bag with any mention of other requirements, whereas the paragraph regarding getting a discount on in-plane food specifies that the credit card must be used. 
I also got cut off from the call with Barclay 's after a long wait. The second time, I spoke to a manager, who also told me to call the airlines. Since Barclay 's made the promises, I feel like Barclay 's should refund my {$50.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Opened a credit card with Toys R Us, Charged less than XXXXXXXXdollars, First bill came and paid on time.Bills stop coming and they contacted me, paid XXXXXXXXdollars over the phone and complained about not getting my statements.In XXXX got a letter from then, i contacted then on XXXX XXXX 2016, now they want XXXX dollars, i told then i did not do those charges and needed my statements from XXXX to XXXX 2016 to dispute the charges.I was told the statements will arrive by mail in 7 to 14 days, that day i changed my statements preference to e-mail.The statements never showed but by miracle the XXXX statement showed up in the mail.Contacted then again, they said the statements were mailed and they were going to send then again, statements never arrived, what arrived was a letter from a collection agency.I have XXXX other credit cards, as of today all are current, own less than XXXX dollars each and never missed a single statement in the mail.

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 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank sold my charged off acct to XXXX XXXX XXXX. XXXX XXXX ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and XXXX will only reply with the same XXXX inaccurate statements that they received from Synchrony. There is a court order against GEMoney and GEMoney was to apply credits to qualified CareCredit acct holders accounts. Synchrony spun off from GE and acquired many accounts of which Synchrony was to apply the deductions. Synchrony DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified Synchrony Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against GE Money CareCredit unless I called XXXX XXXX XXXX. How? Synchrony has the account information. XXXX only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by XXXX XXXX XXXX. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under XXXX attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. 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 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

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 2015-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Amazon credit card company was transferring companies, and I was unable to reach them for months when I actually had the money to pay off my balance. When they were acquired by a new company, I refused to pay since I had been unable to reach them. My debt was transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and 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 with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from 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 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: MD

Complaint narrative:
My husband and I recently applied for a loan with NVR mortgages for our XXXX. 

In our loan estimate ( attached ), we were charged a full year 's worth of property taxes at closing in addition to being asked for nine months of taxes to be held in escrow. My husband and I thought that the 21 months ' worth in taxes was excessive and asked the loan officer XXXX XXXX to only hold 2 or 3 months in escrow. She refused to change it but did ask the NVR settlement company to confirm 9 months was correct. The settlement company she was wrong and only 2 or 3 months was needed but XXXX only said it was a " computer issue '' and still never sent an updated estimate. 

NVR and XXXX XXXX offer an incentive for using their preferred lender of {$15000.00} towards closing cost. The 21 months in taxes we were being charged totaled {$13000.00}, so it seems as if they were trying to exasperate charges to recoup for the incentive. 

XXXX XXXX also ran our credit to determine our loan eligibility but did not disclose to us our actual scores. We asked her several times for the written scores and her response was " give me a call. '' We declined to pursue a NVR but still asked for the incentive and complained to XXXX XXXX ( XXXX 's superior ), but she told us NVR did nothing wrong. 

NVR also did an unauthorized credit check on my husband and I around XXXX XXXX, long after we asked for our files to be shredded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.

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 2015-07-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was offered a Barclay credit card XXXX XXXX to make purchases at XXXX. This was a deferred interest credit card. I made timely payments however little if any of my payments was ever applied to the original balance. In XXXX XXXX and an interest charge of {$520.00} was applied to my account. When I inquired I found a tricky and deceptive practice and seek relief. In XXXX of XXXX I asked if the same credit card could be used for other purchases. Barclay responded yes however I was not told or informed at that time how the other charges would accrue or payments would be applied. Upon the charge of {$520.00}. in interest I attempted to find this information in my statement and could not. I did find on their website that in the last two months payments are applied to the minimum due and the rest to the original purchase deferred program. Those months ( 60 days ) are the only time that payments are applied to the original purchase. Candidly this seems tricky and I dispute the interest charges made. In addition, this issue has affected my credit rating which I have been working on very diligently for some years. I feel tricked and angry about this matter. I request remedy from your Agency. On searching the web I found other similar complaints about the Barclays XXXX deal and found that many people share my concerns and my frustrations. My goal is to have the {$520.00}. XXXX time interest payment removed so that I may pay off this credit card. Coincidentally in the last 60 days I did in fact make {$1000.00} in payments even though I was unaware of this rather deceptive matter. That would mean that in over 2 years and nearly {$5000.00} in payments little or none was applied to the original purchase. Clearly that is intentional to gain revenue for Barclays and for XXXX. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 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: OH

Complaint narrative:
Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.

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 2016-05-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?

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 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Pintor Partners, LP
State: TX

Complaint narrative:
I 've already asked barri finance not to contact me at work.or visit my work or my husbands work and they keep doing it l.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am disputing the regular purchases balance of {$550.00} and quick cash balance of {$68.00} AND my promotional balance@3.99 % because the interest increased when the balance decreased! ( {$13.00} on {$4100.00} and {$14.00} on {$4000.00} ). Here 's why. On XXXX/XXXX/XXXX two calls were made by my mother XXXX XXXX, to Synchrony bank. First to rify /again that all payments over the minimum payment could/would be applied to regular/cash purchases. The second call requested, and XXXX verbally confirmed, that everything paid ( {$410.00} ) over {$66.00} ( {$340.00} ) could and would be applied to regular and pay off the cash purchases balance. 
It was n't. During a 2 hour phone call to XXXX on XXXX/XXXX/XXXX, who claimed to be a supervisor but was n't, XXXX was told {$100.00} ( Misc Adjustment ) was a charge along with a cash advance PayPal purchase of {$150.00} which was not true. XXXX argued the charges were legitimate and the {$260.00} cash payment listed with them did not XXXX out the charges and prevent correct allocation. XXXX was put on hold numerous times while XXXX contacted superiors and the accounting department. Finally XXXX said the {$100.00} was the amount credited to the regular/cash balances and {$150.00} needed to be reallocated/credited. No one understood the charges XXXX out the {$260.00} payment -- OR that a portion of the {$150.00} INCREASED the cash advance balance which INCREASED interest charges and decreased my promotional 3.99 % balance. Eventually XXXX asked XXXX what the regular/cash balances should total and she gave an estimate. XXXX said the account would be corrected in 3 to 5 days. 
On XXXX/XXXX/XXXX XXXX called and XXXX said she was a supervisor with the authority to act. After ten minutes XXXX insisted on speaking to a real supervisor. After a long wait XXXX answered and said she was a manager. XXXX insisted on speaking to me ( XXXX XXXX ), at my request, because of an identity theft incident years ago. I 've made multiple calls since then, and been assured at the conclusion of each call, that XXXX XXXX would be listed on my account PERMENANTELY to speak on my behalf -- my mother can verify my identity. XXXX spoke to my mother about the account without insisting on further verification, and told my mother the account would be corrected by the accounting department but was n't. This phone call was approximately 45 minutes. I contacted XXXX by phone as she requested but she did n't return my call as promised. If XXXX/Synchrony Bank needs more verification to correct mistakes ( because a thief would spent countless hours arguing on my behalf ) you 'll have to reach me by e-mail as I told XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am not getting any assistance to help with this 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 with monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my Old Navy Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Old Navy Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation