vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from XXXX XXXX XXXX XXXX. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

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: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT 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 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
on XXXX/XXXX/2015, I filed an dispute with XXXX XXXX XXXX , XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX XXXX XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX XXXX XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX XXXX XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA XXXX XXXX XXXX XXXX me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I 've spoken with Barclays Bank office of the President. Who clearly stated that my last payment on this account was XXXX XXXX. I 've found Consumer Protection financial bureau statement in your file your file dated XXXX XXXX. Where Barclays Bank verified my last payment on XXXX XXXX, XXXX and they told you that since there where no other payments from XX/XX/XXXX-XX/XX/XXXX that they charged the account off. If Barclays told CPFA one thing in XX/XX/XXXX and lied about in XX/XX/XXXX. That 's a deception, inaccurate lie that this company is reporting to XXXX and XXXX. CPFA case # XXXX. Please look up information to show that Barclays had to the govt and continue to lie to me and the CRA Bureaus. Contact the lying office of the president at 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 2017-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I was recently paying state farm insurance 's debt collector NATIONAL SERVICE BUREU for an automobile accident which happened 4 years ago. I signed an agreement with them to pay off the debt using MY CHECKING ACCOUNT. They recently contacted me saying they changed the way they process payments due to them being in business with a new payment processor ( not my fault ) and were now required to take payments using a credit/debit card. I was not happy nor did I feel secure giving them that information. Paying with my credit/debit card is not what I originally signed the agreement to use as a method of payment. The rep was rude and threatening me that I was no longer going to receive the payment agreement that was originally proposed by them if I did not issue them my credit card info. He also threatened me saying I would have my license revoked and even hung up on me multiple times. I was never refusing to pay them I simply wanted them to honor the agreement which was originally signed using my original method of payment. Ever since the rep XXXX threatened me and hung up on me I am now refusing to answer his calls or even pay because it is not my fault they broke their own contract and decided to be unprofessional when speaking to me. They have my bank information and I do not feel I need to give them much more than that. It 's been about 18 days since the payment was due and I do not feel I should be responsible for this if they broke their own agreement. I 've already issued them payments to the amount of a little over {$5000.00} to settle an XXXX debt. I keep getting harassed for my card information even after I was hung up on and I also never signed anything that would bind me to give them my CARD INFORMATION only my checking account which was a scheduled {$200.00} to be taken out each month. Since I have not been able to pick up calls due to me being at work during the day they have now started calling my family and leaving messages they have already reached out to my older brothers and left messages on both of their voicemails looking for me. They imply in the message who they are and what they 're after. Will they keep receiving these harassing phone calls? It 's a rep by the name of XXXX which was personally handling my account at the time the original agreement was set up he is very rude and unprofessional with his tone and threatening remarks. When I originally refused to give him my card he made various threats that I was going have my license revoked for something that happened 4 years ago and that I was now going to owe the complete XXXX that was left on the account in full if I did not give him my card information. I do n't feel I 'm being treated fairly here. Just because they broke their own contract with the " method of payment type '' they feel they can jerk me around?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX has moved my credit card to XXXX WITH BARCLAyCARD. I filed a complaint with XXXX XXXX and they referred me to XXXX stating all statement and information has been changed over to Barclay. When I contact Barclay they say they only have records as of XX/XX/XXXX when they merged and they refer me back XXXX. I am stuck in the middle I need my credit card statement From XXXX XXXX thru XXXX XXXX. I was paperless with XXXX. I do n't know what to do and this is not fare and I am being sent back and forth and no one is helping 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 monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the Barclaycard Upromise for the " {$100.00} Bonus After First Use '' and to get a free XXXX score and to have a XXXX. They then sent me a letter ( WEIRDLY, IT WAS A COPY OF A LETTER, NOT AN ORIGINAL LETTER which XXXX always gets from Legitimate companies ) - and I was then asked for an " original bill ''. I sent them an older electric bill, because I do n't get original bills anymore ; it 's all online. But here is my problem : I never heard from them again. This is the second time I have ever had this happen in my life : Barclays and XXXX. 
Is it normal or reasonable, or legal, for a company to collect all of your personal data, and even an original bill and you never hear from them again?? 
1. If I am turned down - despite XXXX debtedness, and no negatives on my XXXX report, then I want a reason, but mainly I want a free copy of the Credit Report from the agency they used. ( Based on research, I think it is XXXX, but I do n't know for sure. ) It feels like a scam. I also suddenly got many XXXX and Phishing Scam emails in my normally pristine Mailbox ; I NEVER get junk, much less XXXX, at that email address anymore. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.

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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for the Care Credit account I 'm XX/XX/XXXX. They had a " promotional '' deal with low interest rates good for 18 months ; the rate thereafter would go into the high 20 's ( 26 % + ). 

The expiration for the low rate was XXXX, whereupon an accrued amount of {$3000.00} was added to my balance taking it from $ XXXX to $ XXXX. 

My understanding of how the rate increase would occur was that at the end of the promotion, my remaining balance would be charged interest at the non-promotional 26 % + rate. It was never explained otherwise to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with 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 2016-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong

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