vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}

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 2015-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Continual Calls from XXXX customer service/Debt collection XXXX XXXX and XXXX XXXX. When told to stop the calls and contact via mail only, they place on hold or say they ca n't hear you. then disconnect and repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.

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 2016-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX I was sent a link to go online to complete a credit application. I was told during the online chat that it was a zero interest application. When you get to the end of the form you have to choose YES to activate the additional credit card billing or the form will not go forward. The rep from the local store, XXXX told me to call XXXX when I informed her the form would not submit without choosing additional charges to my credit card. She insisted I was wrong. I spoke with a rep from XXXX XXXX at XXXX and was told I was not using a compatible web browser. That I needed to use Internet Explorer, Firefox, etc. I explained I could not do that as I was using Google Chrome. The rep stated I should contact the local store as they had the ability to take care of this over the phone. I again completed the online credit form and it would not accept the form without checking the Yes option to activate the additional billing. XXXX told me during the online chat that Google Chrome would work but not the other browsers. I answered that I had been told the opposite from XXXX. I asked to contact the local store and they would not provide the contact number. I looked the number up online and called the local store in XXXX, AR. 

When I called the store a man claiming to be the manager answered and was very abrupt. He wanted to know what mattress I wanted and they would sell it to me right then. I tried to explain what happened and he did n't want to hear about it. Then I knew I was speaking to the same store employees that I had been chatting with online. Being forced to sign that additional credit card billing was clearly fraudulent. It meant there was no zero interest as was claimed. Please see the Chat Transcript dated Friday, XX/XX/2016 ended at XXXX. 

I have an attachment of the chat transcript and copy of the credit application. I identified myself as a XXXX veteran XXXX. It made no difference to this company and I asked multiple times for additional help which they did not supply. 

Credit Application Form XXXX Optional Card Security Enrollment Selection

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 2015-08-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 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: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.

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 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.

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 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 2016-11-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
After granting me a Care Credit card, Synchrony Bank checked my credit report 2 months after I paid off the card my balance and, stating that my credit no longer " met their terms '', they closed my account after less than 18 months. Nowhere in my terms and conditions of the agreement did it state that I had to maintain a certain level of credit worthiness in order to keep the card. In the terms and agreement, it stated that they may periodically check my credit in order to review, maintain, and collect on my account. I have never been late or missed a payment. I have used less than 50 % of the total available credit of the credit given. Because of my history with the company, there was no justifiable reason for their closing my account, causing my debt to income ratio to increase, resulting in a further drop in my credit score. When I called Synchrony/CareCredit to inquire about this, they stated that it was " standard practice ''. Yet, I was never advised of this practice, nor given a " warning '' of how my current outside financial situation would hurt my good standing with my Care Credit card. 
Once I received the letter from the company, informing me of their decision to close my account, I contacted them, via phone, to ask them specifically what the logic was behind closing the account and told them the ramifications to my credit score and file their actions would have. I was advised by a supervisor that it is their common practice to close accounts when a consumer no longer meets their credit criteria to hold the account, nevermind that it is not listed in the terms and conditions. I, again, advised the supervisor that closing my account will cause my credit score to plummet and asked her to explain to me how her company 's actions can not be seen as a having a negative effect on me especially since I have never violated any of the credit terms and agreements to warrant the closure.

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 2017-01-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My account with Walmart was purchased by another company and I paid the account to that company and Walmart has not contacted the Credit Bureaus to state that this account is paid. I would like this information updated asap.

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION

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