vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Application Number : XXXX Hello, I was hoping you would be able to reconsider my application and see if i can get approved for anything. I do n't care on the credit limit, i just need the help to be able to re establish my credit. I would greatly appreciate any help on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I 've repeatedly tried to file a fraud complaint with my Banana Republic XXXX XXXX serviced by Synchrony Bank. The fraudulent charges were made on XXXX XXXX, 2015. When I first tried to file my fraud complaint, I was told that I had successfully passed along all information and that an investigation would be completed. I repeatedly called asking for an update and was told that they could not provide an update and that I would receive correspondence regarding the investigation. Four months have passed, and I have now spent more than an hour on the phone only to be told that the fraud department never received the complaint, and that the fraud department ca n't file my complaint without the statements from that month, to which they do n't have access. I no longer have access to those accounts online, because the bank closed the account as soon as I reported the fraud and issued a new card. For reasons passing understanding, the bank 's customer service department has access to the statements necessary to file the complaint, but can not file the complaint for me, according to. And although the fraud department is the only department that can file the complaint, according to the fraud department, they do n't have access to the statements. And, when I called the customer service department to get the necessary information, I was told that they could file a fraud complaint, although I previously relied on this information when I filed my initial complaint, and was later told that this was inaccurate. 

In essence, it seems that Synchrony Bank is taking every step necessary to obfuscate and block their customers ' attempts to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened an account with Synchrony Bank with a " promotional offering '' of No Interest if Paid in Full within promotional period which ends XXXX 2016. This credit card was opened to purchase art work through XXXX XXXX XXXX XXXX. XXXX 2016 billing charged {$470.00} interest on what appears to be a portion of {$1100.00} of the amount owned. An amount that is over 43 % interest. The amount due on account, to be paid in full without interest by XXXX 2016 is {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I went into the XXXX XXXX at the XXXX XXXX on Thursday XXXX XXXX and made a {$150.00} check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took XXXX to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The {$150.00} check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to call back and they " could help me ''. I explained to the csr that I needed the items for presents for Saturday. I called Saturday morning and it went down hill from there. The ending of the story is that they are holding my {$150.00} deposit for 18 days because I made XXXX payments in a billing cycle. I have never heard of this before. So now I am out the {$150.00} for the check and {$150.00} not credited to my account. I have NEVER heard of this before.

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I brought a bed from Sleepys on credit. The credit was provided by Synchrony Bank. The amount of the purchase was {$400.00}. As soon as I bought the bed, I scheduled online monthly payments from my bank account on monthly basis on the XXXX of every month adding up to {$400.00} within the time period I was responsible to make the entire payment without an charges. However, now that I go and check I am charged late fees. I contacted the bank on XXXX/XXXX/15 and I was being told that I am charged for prepayment because the system does not recognize the prepayment and instead of applying against the amount due for {$400.00}, it has been applied against the minimum monthly amount due. I am being charged {$120.00}. I think that I am being cheated despite the fact that I have made total amount due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I 've been victimized by the illegal collection practices of XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a XXXXdollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by XXXX XXXX XXXX, upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against XXXX XXXX XXXX - XXXX XXXX XXXX. by the Consumer Financial Protection Bureau. Although this credit is present, XXXX decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but XXXX with their account XXXX games with moving the account from XXXX company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.

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 2016-11-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SEVERAL YEARS AGO, A CREDIT CARD WAS GENERATED AT SYNCHRONY BANK, THRU QVC SHOPPING CHANEL, AND A PURCHASE WAS MADE USING THE CREDIT CARD. THE CHARGE WAS PAID IN FULL WHEN THE BILL ARRIVED. APPROX 9 MONTHS TO A YEAR LATER A BILL ARRIVED SHOWING A BALANCE, NOT FOR THE PURCHASE AMOUNT. WHEN IT WAS QUESTIONED, IT WAS LEARNED THAT THE BALANCE WAS CHARGES FOR LATE FEES AND PENALITIES, ALTHOUGH THE TOTAL BALANCE WAS PAID WHEN THE BILL ARRIVED. SUSPOSINGLY, THIS WAS DEALT WITH, THEN SEVERAL MONTHS LATER A COLLECTION AGENCY SENT A NOTICE OF A LARGER AMOUNT STILL OUTSTANDING. SYNCHRONY BANK WAS CONTACTED AND AGAIN, IT WAS SUPPOSINGLY CORRECTED.. AGAIN, LATER IN TIME ANOTHER COLLECTION AGENCY SENT A BILL. AGAIN SYNCHRONY WAS CONTACTED AND AN AGREEMENT WAS REACHED WITH THE UNDERSTANDING THIS EVENT WAS CLOSED.. ONCE AGAIN, RECEIVED A COLLECTION NOTICE AND THE COLLECTION AGENCY WAS NOTIFIED THE ITEM WAS CLOSED. TIME PASSED AND A DIFFERENT COLLECTION AGENCY SENT A COLLECTION NOTICE. WHAT STEPS CAN BE TAKEN TO CLEAR THIS ITEM AND FIND A RESOLUTION??

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 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry '' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, 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 2016-11-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an Amazon credit card through Synchrony Bank. They have a payment due date of the XXXX of the month. I paid my payment on the XXXX and they accepted it as posted on the XXXX of XXXX. The next day I am showing a {$35.00} late fee on my account. I called ( XXXX XXXX ) and was asked why I am waiting until the due date to pay my bill .... I told them because that 's when it 's due. They told me that if I pay on the due date that the system automatically charges a late fee and it stays on there for 36-48 hours. They told me I should pay two days before the due date. They admitted I was not actually late. The {$35.00} adds to my average daily balance and therefore to the amount of interest they charge me. Add that up over several XXXX XXXX customers and they are making a lot of interest on those pennies by adding a bogus late fee for two days. They do charge interest based on daily balance ( see attached documents ). I am charging them an overcharge fee of {$250.00}.

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 explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX at XXXX I was woke up by a XXXX man claiming to be a Police Officer. He asked if I was XXXX. I told him yes. He then wanted to know if I knew a XXXX or XXXX. I told him I did not. He then said that XXXX or XXXX had my name in his address book and it was important ( leading me to believe the man may be hurt or dead ). I repeated that I did not know him. He then asked if I lived at XXXX? I told him that I did. He thanked me and hung up. I thought it was highly suspicious and as I do n't live in the nicest area of town became frightened he was maybe looking to break in. I then called the number back and call went to his voicemail. I left my name and number for him to please call me back. I waited and phone rang at XXXX XX/XX/XXXX. He had " XXXX dialed '' me by mistake. I listened as he another man had long unintelligible conversation for XXXX minutes when he must have figured out his phone was in use and hung up. At XXXX I tried the number again and got a different man that answered. I asked if he was a Police Officer, he told me " yes ''. I asked him his name and he said a name I could n't understand, I then asked him what city he worked for, and he became flustered and I finally just asked if he worked for XXXX County and he said yes. I asked his badge number and he rattled off several numbers that were said so fast I could n't write them down. I knew they were scamming me for some reason. I was very scared so I stayed up listening for any little thing. Around XXXX, I heard a noise at my front door. I crept to the door and looked through the peep hole and saw nothing. I sat back down and about XXXX minutes later heard a " rustling '' sound at the door. I crept back to the door and saw no one there. I then decided to open my door and look around. I then found papers from XXXX Assignee of Synchrony Bank / XXXX laying at my feet outside my door. The stack of papers had been taped to the door but the tape came away from the door because of the dust. On the top right corner of the papers are handwritten : posted XX/XX/2017, XXXX, and initialed XXXX. They were not there on XX/XX/2017 at XXXX. They were posted after the phone call from the so-called police. I am attaching my phone bill showing who called and from what number. There were two different men involved.

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 2016-07-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have submitted several request to Barclays bank as to whether they are FDIC insured or not and up to what amount. They continue to give me the run around and to send me an invalid link to check to see if they are FDIC insured. I do not understand if they are a full regulated bank whey they do not know themselves if they are insured or not?

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 2015-08-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Since going on medical leave and unable to keep up with payments, have been getting robocalls from XXXX different numbers at least XXXX times per day, from both numbers, which amounts to up to XXXX calls per day including weekends beginning at XXXX Also have been getting emails about once a week. When attempting to answer the emails, they are 'donotreply ', and must go to website. I find these practices offensive and would like to simply answer an email. This is the first and only default on this account, and have been discouraged from answering in writing and being bombarded from calls almost every XXXX minutes on a daily basis, from XXXX creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard - I spent {$12000.00} on my credit card for which I was to receive {$250.00} worth of travel rewards. Barclaycard for some reason has refused to honor this.

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 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
they all every hour I talk to each person telling them I have paid my det and to stop calling. but they will call back this has been going on for weeks now.

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 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.

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