vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me 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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Went online to JC Penny to make a payment. The system incorrectly stated I wished to pay {$25.00} vs. my whole balance ( which I clicked ). When I tried to correct, it said you can only do one payment online per day. I then called. When I first got online it asked for account number etc. and social - It paused for a long time and never found my account. Then I called again spoke to an agent who told me it cost {$10.00} to make a payment using her so she will transfer me into the system again. She then transferred me into something that basically put me on hold and never got back to me. Then I called back again trying to make a payment with the automated system on the phone again. At this point, 20+ minutes into this saga, I still can not make this payment. I am now on my XXXX or XXXX attempt to get verified on their IVR - no success to date. So their IVR can not authenticate me, the agent wants {$10.00} to do it with a human, the website wo n't let me fix the issue. 

This is clearly a UDAAP issueI believe this is purposely made difficult for customers to ring up fees and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation.

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 2016-07-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have XXXX deferred interest promotions on my account. 
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months. 
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice. 
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes. 
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, XXXX XXXX XXXX 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 2016-06-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.

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 2015-06-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
call me sunday morning XXXX a day. numerous calls restricted line and bank call and evine line. tell them I need an extension but will not extend. but calls all times of the day sometime XXXX a day. evine live and syncb bank call me from different numbers and harass me. and threaten me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way. 
Sincerely, XXXX 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 monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested fund transfer out from my Synchrony Bank joint saving account to an external bank account I had linked up with Synchrony, but Synchrony kept canceling my transfer requests XXXX times without even an explanation or email/letter notification ; therefore, I was unaware of the reason. Because of the delay on Synchrony part, my check bounced and the external bank charged me {$34.00} fee plus the vendor charged me {$50.00} for return check. When I called Synchrony, their customer service reps including a supervisor named XXXX XXXX from the Kansas call center were rude and basically blame me for not setting up the external links properly. I asked them if that was the case why I never got an email, a letter or a phone call from them as a courtesy. They do not have any problem taking my money, but will not allow me to get my money back? This is unfair, misleading and insulting to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.

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

Complaint narrative:
I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Old Navy has listed XXXX accounts XXXX closed due to a lost card and the other XXXX claims that I am authorized user but that comes from a previous relationship asked to have both removed and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING XXXX NY 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 non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I authorized Old Navy to open a new Old Navy store credit account due to the discount associated with this. The Sales associate proceeded to initiate the process, never disclosing that the credit account in question was a Old Navy Visa card. My permission to open a Visa credit card account was never requested nor provided, I only provided permission to open an Old Navy store credit account. Despite this, I received a new Old Navy Visa card in the mail a week later.

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

Complaint narrative:
Synchrony bank card ( carecredit ) website is chronically unavailable. Usually it takes several tries to get logged in to pay bill, but today, I was continually rerouted to different screen. 
After 35 minutes of attempting unsuccessfully to log in, I called Synchrony, to make credit card payment over phone, giving operator the amount I wished to pay and debit card information. I told her that the online login, as typical, was down. She informed me that the website was fine - that there was no problem with website. 
As we talked, I checked my checking account, which stated that she had taken out a different amount than requested ( I gave her correct amount twice ). She then blamed me for her putting in the wrong amount because, when I called, I was " upset '' about the website and she was distracted because she was trying to " calm me down. '' She informed me that she would void the payment and put in the requested amount. However, I told her since the incorrect amount had already been removed from my checking account, I would wait until the voided payment was credited to make the corrected payment ( typically several days ). I told her this explicitly and my reason for not putting the correct amount through today. 
Directly contradicting my request, she went ahead and processed the correct amount so my checking account is now shows a double charge. Given the context of the conversation, I believe that the first debit she made was a genuine mistake but that she put the second XXXX through deliberately. It is true that I was very upset by the time I called Carecredit ( not profane, not personal, not threatening, but upset ) but I do not believe this justifies taking money out of my checking account without my permission. 
I am making this complaint ( 1 ) because the creditcare website is chronically malfunctioning ( 2 ) customers calling in payments after fiddling with website for 35 minutes should not be told to " calm down '' and that the website is fine ( supervisor later acknowledged that login on care credit is spotty XXXX users ) ( 3 ) the operator made a second charge to my debit card despite my direction NOT to make a second charge.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Paid Barclaycard XXXX via website on due date. Was assessed a late fee because my payment was after XXXX. I pay my other credit cards online and none of them have a payment cutoff time before XXXX ( I paid around XXXX ). I had no reason to expect the case would be otherwise with the Barclaycard 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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I am a short-term XXXX during XX/XX/2012, I have been in the store of Banana Republic at XXXX to buy goods in the second half of XX/XX/2012, I was paid the bills by XXXX XXXX XXXX credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to XXXX for nearly three years. I rented a house in XXXX, followed by a XXXX rental. Unexpected, We met at an XXXX in XXXX, He told me, A letter of credit card payment was often sent to this address. I do n't know how to solve this matter now. 
I would like to declare the following : ( 1 ) I do n't have subjective intent owe the bank money, ( 2 ) I love America, I had the best time of my life in America, ( 3 ) I did n't know it was a credit card, I thought it was a discount card ( 4 ) I 've never used this card except to pay for the clothes in the store ( Because I paied with XXXX XXXX XXXX credit Card, I did not know that I might use Banana Republic credit card pay the part of the bills ), ( 5 ) I want to repay the balance of the clothes shop, But I ca n't afford an expensive default. 
( 6 ) I do n't have this credit card, and I do n't know the number of the card ( 7 ) After know this matter, I contacted with Banana Republic, they tell me to connect with the bank, but i do not know XXXX, and i do not know the card number. 
( 8 ) please help me, I do n't want to be a debtor. 
please Contact with me Email : XXXXXXXXXXXX and my passport number XXXX and SSN : 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 2016-09-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them off..

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I was making payment to my account. Which I did not know was sold to XXXX. Barkley Juniper was holding money and not sending payments over to XXXX and will not refund money owed 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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Between XXXX and XXXX 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.

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 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation