vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a HH Gregg credit card account and thought that I have been making on time payments since I pay on the due date, which is the seventh, of each month. I noticed that my balance was not reducing in the last few months and that the minimum payment fluctuated tremendously. I spoke with a customer service agent who told me that I was being charge a {$38.00} dollar late fee for paying on the due date, and there were XXXX charges of this on my account. The representative removed the last charge but refused to discard the other charges. I was told that the payment had to be paid two days in advance of the due date in order to be considered on time. I told them that there was no notification of this through their automated system or on the statement, and I have never heard of such a policy with any other company. The representative continued to state the same thing and left me no recourse to resolve this, even after I requested to speak with a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a XXXX through Barclay and I noticed that my my monthly interest rate is being charged against my account balance on my card. I have never had a late payment and even made advanced payments. I noticed that I was almost at my credit limit and had n't used the card. When I called about it the woman told me that my bill drops on the XXXX of the month and if I do n't pay it by the XXXX of the month, there is an interest fee charged against my balance. That amount would be charged even if I paid my bill early. I have to wait until my bill actually drops and pay it before the XXXX of the month even though it is n't due for 30 days after the bill is dropped. It looks to me like I was being charged double interest if I did n't pay by the XXXX of each month and my interest was being charged interest. It just did n't set right with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I wanted to stop a payment to XXXX comany listed as autopay on my Synchrony Bank credit card ( JCPenny credit card ) becuase contact number of insuance company was not working. But bank closed my card in place of stoping the payment to the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays closed XXXX of my credit card accounts. Notification was received via letter dated XXXX/XXXX/2015. The letter states " we regret to advise you that we are unable to maintain an account with you because of your history of usage. '' I received no prior communication from Barclays indicating any issue with the usage of my card accounts. If Barclays means a history of usage that includes 100 % on-time payments, varied and numerous purchases, and an impeccable 20-year credit history ( my last credit application a month ago had a FICO score of XXXX, as reported to me by the lender ), then I can only arrive at the conclusion that Barclays chose to close the accounts to avoid paying out substantial earned yet unredeemed rewards points. The Arrival card account had at the time of closure XXXX miles as shown in the attached account summary. The Arrival miles are redeemed with a 10 % bonus against travel expenses worth {$3500.00}. The Upromise card account had XXXX transactions that started to age, coincidentally, on XX/XX/XXXX to earn the bonus 4 % rewards for using the Upromise shopping portal in conjunction with the credit card. This bonus takes 8-12 weeks to post with the first transaction hitting that milestone on XX/XX/XXXX. I estimate the value of those rewards to be roughly {$440.00} ( XXXX transactions x {$1200.00} average price x 4 % ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it 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
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am a beneficiary on my father 's account and CD 's who passed away and owns XXXX CD 's. The bank has cashed in the CD 's and has contacted me on many mistakes they made on distributions. The bank has requested the original distributed money be returned so they can recalculate the correct distribution. I requested the bank provide a full reporting of the total amount of each CD and they have refused. I do n't trust the bank and will not return any monies until I have an understanding of the full amount of each CD. 
Please advise on my rights.

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 2015-09-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I went to Walmart as I always do to get my weekly shopping done. I have a Walmart credit card through Synchrony Bank that I use all the time for this. I use this card and pay it off at the end of each month. The cashier informed me that the card does not work and is not good. This was very embarrassing, deplorable and shocking for me. Only then did I know that something was wrong and Synchrony had closed my account. After a lengthy conversation the Synchrony representative told me that a third party Debt Consolidation company had contact them and advised that I was in counseling with them and Synchrony had made an agreement with them to settle my debt. I was shocked! This is not right and Walmart/Synchrony explained they could do nothing more for me, that was also shocking. I have been an exemplary customer. I then explained that they clearly have the wrong person. They finally provided me the Debt company info that was on the other side of the United States called XXXX XXXX in California. XXXX XXXX stated they used their clients credit report to obtain the credit card number that they sent to Walmart/Synchrony Bank. I continued to be the middle person ( as the innocent person ) for the XXXX companies and they XXXX seemed to not know what to do. I since found out that the person has nothing in common with me XXXX other than the account number error ) and that this has been reported to my credit report as an adverse event. Negatively impacting my credit. SO to date, Walmart/Synchrony bank has been reporting my credit to this other persons credit report and my report, they closed my account on the word of a third party sharing information with that third party without contacting me and will not correct this serious mistake that has impacted me ( the innocent person XXXX negatively! Everyone admits that this was wrong and errors in security have taken place, but no one is willing to fix this or compensate me for this embarrassment. Now I live with this for 7 years? I need some assistance with this horrific error and violation of my credit security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.

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 2015-08-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My loan has a payment due date on the XXXX of each month. I have met the payment dates faithfully for the past year with the exception of one month ( XXXX 2015 ) when my payment was 8 days late. I was charged a {$30.00} late fee which is 50 % of the required payment amount. Each month thereafter required a minimum payment due of {$90.00} ( inclusive of that {$30.00} late fee ). I continued to pay the normal {$60.00} payment amount ON TIME but not the full so-called " Required minimum payment '' of {$90.00} because I was protesting the amount of the late fee. I finally gave up and paid the {$30.00} in a separate payment on XXXX/XXXX/15. This company is continuing to charge the {$30.00} late fee on each subsequent statement. I make these payments directly on-line. Today ( XX/XX/XXXX ) I initiated a payment in the amount of {$60.00} and received a message that this was less than the required minimum payment and I would, therefore, be assessed a late fee. I called to speak to someone in customer service to explain that I believe it is not correct that they can charge a late fee on a " late fee '', especially since it had already been paid. The representative and her manager both attempted to tell me that the late fees will continue to apply whenever I pay less than the " required minimum amount due ''. I was speaking to deaf ears when I said the reason I paid less than the " amount due '' was because part of that amount due had already been paid. Can they continue to assess a {$30.00} charge each month? My payments are being made each month on time and for the amount of the original agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it. 

As soon as I got back to the U.S. and received a package without returning address, I reported to the card service. 
On XXXX/XXXX/XXXX, the charge was credited back to my account. 

On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number. 

On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity. 

On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation. 

On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document. 

On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product. 
And the content of the product ( XXXX ) is what my doctor asked me to avoid. 

Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties. 

I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.

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 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 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 2017-01-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has XXXX of the worst phone IVR systems that forces you to speak instead of inputting number options. This causes extreme frustration to a consumer by the time they speak to a human. I will be doing everything in my power to never give Synchrony XXXX more penny of my money. After 15 minutes trying to navigate the system, you then can not even get account information for a card that I OWN and need a number for immediate payoff. There is a reason this company is at the bottom of the cesspool.

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 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get.

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 2015-06-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank rewards their Banana Republic Visa credit card holders who have " Luxe '' status with a XXXX % points bonus each calendar quarter, once the quarter is over, and I do have Luxe status. For example, if I earn XXXX points from XX/XX/XXXX-XX/XX/XXXX, then I would receive a XXXX point bonus as well. 

I have called and tried online emailing multiple times with my inquiry, but Synchrony bank has never responded with any sort of explanation other than " nothing is wrong, '' even though I have explained my issue in detail to multiple phone representatives and they have acknowledged it. 

Here is my issue ... XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX, the XXXX % bonus they gave me ( and which appeared on my XXXX XXXX statement ) was not nearly equal to XXXX % of the points that I had earned from purchases XXXX XXXX to XXXX XXXX. Here is what I earned : -- On my XXXX XXXX, XXXX statement, I earned XXXX points from purchases in XXXX. 
-- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases -- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases. 
-- I also made a lot of purchases from XXXX XXXX to XXXX XXXX, XXXX ( which appeared on my XXXX XXXX statement but still count towards the quarterly bonus since they were " earned '' XX/XX/XXXX ) that earned me XXXX more points Therefore, XX/XX/XXXX, I earned XXXX + XXXX + XXXX + XXXX points, which adds up to XXXX points. Since I earned XXXX points in that quarter, then I should have received 20 % of that, which is XXXX, in bonus points. However, on my XXXX XXXX statement, I received a " Quarterly XXXX 20 % Bonus Points '' of only XXXX. So taking the difference between XXXX and XXXX, Synchrony Bank still owes me XXXX rewards points. I have explained this to them, and after investigating either I have gotten no response, or a superficial " everything is correct '' response. Clearly, though, I have not received a bonus of XXXX % of my earned rewards XX/XX/XXXX, and I would like to have them applied to my account, without having to wait any further.

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 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.

Company response to consumer: Closed with non-monetary relief