vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In XX/XX/XXXX I had a Sam 's credit card that I have never been late on since XX/XX/XXXX. I make very big payments on my card. In XX/XX/XXXX I logged into my account and it said to call in. I could not access the account. I was told that my account along with XXXX other accounts I have with Synchony have been suspended until I get a letter in the mail explaining why and to call in when I get the letter. I never got the letter and also could not make payments and was told the only way I could make a payment was to cancel the card. I tried to redeem my {$210.00} worth of rewards but they only mail a check every XX/XX/XXXX. This is the craziest thing I ever heard. I did google and they have been doing this to XXXX people. Was never told why account were suspended. I cancelled the card in order to make my payment because I do not make later payments. I want my {$210.00} I am owed.

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 2016-01-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill. 

The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.

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 2015-07-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had an account with Synchrony Care Credit. I was unable to pay for some time. I have been calling the Synchrony customer service in an attempt to resume payments or pay off the debt. Synchrony is refusing to allow me to do so because they are saying that the account is pending to be sold or assigned. This is holding me up from qualifying for a VA loan.

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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank sent me a mail promotion for XXXX for opening a Citigold account and satisfying some criteria. The Citigold account had to be funded with {$50000.00} and also has monthly fees - I have satisfied all of their requirements including opening the account, funding it, paying fees, getting a debit card and spending {$1000.00} on it and doing online bill payments for 2 consecutive months. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles

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 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent a letter to MACYSDSNB letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and MACYSDSNB refuses to delete the fraudulent accounts from my credit report stating in a letter its verified MACYSDSNB provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage 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 2015-04-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Last fall I opened a Citibank Citigold checking account with a promotional code XXXX which promised me a XXXX XXXX XXXX AAdvantage mile bonus if I fulfilled certain conditions : two online bill pays in two consecutive months and debit card transactions of {$1000.00} or more in the first 90 days of account opening. I fulfilled the terms of the promotion and I received multiple communications stating I would receive this bonus, but then when the time came for me to receive the bonus, I was suddenly " ineligible '' for the bonus and " denied. '' On XX/XX/XXXX I received my first communication confirming I have fulfilled the terms of the promotion and I would be receiving the promotion bonus for XXXX XXXX miles. Quoting from a Secure Message I received from Citi on XX/XX/XXXX : " I can confirm that you have completed the requirements for this promotion on XXXX/XXXX/XXXX to be eligible to receive the XXXX XXXX miles incentive. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. With this in mind, you should expect to receive your miles no later than XXXX/XXXX/XXXX '' On XX/XX/XXXX I received a second confirmation that I would be receiving the promotion bonus, also via Secure Message from Citi : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. '' Then on XX/XX/XXXX I received an abrupt denial of this previously promised bonus : " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I complained to Citi about this and requested that they at least refund me the banking fees which I had paid thus far to Citibank for the Citigold checking account. This was denied as well, claiming that I was not eligible because the promotional offer had not been " targeted '' to me. The original terms and conditions of the offer contained no such language that receiving the XXXX XXXX mile bonus was contingent on being " targeted. '' Given the promise of my receipt of XXXX bonus XXXX miles on several occasions and then an abrupt denial when the time came, I feel that Citibank has been very deceitful in its handling of this case.

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 2015-05-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys American express credit card through Citi Bank has personally disclosed my information to un authorized callers. This company has mistreated me & my information in several ways. Citi bank has participated in Illegal business practices towards me personally.

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 2016-06-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.

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 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.

Company response to consumer: Closed with non-monetary relief