vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
A number of my credit cards no longer give access to their interest rate when I sign in on the internet. While I can locate info on paper statement, if I go w/o paper statement, I worry I will lose access. ALSO it seems they are " hiding '' info ... when the rate is variable, it is wise to watch the rate. 
I want to access not only my balance, payment, charges, etc. -- but my interest percentage as well. I have called them, and after that nuisance, I get the rate ... but that is wrong. Should n't they be required to disclose as they do on paper statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.

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 2015-05-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Customer Service XXXX. XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX This letter concerns account # XXXX XXXX XXXX XXXX. Cardholder name is XXXX XXXX. Address is XXXX XXXX XXXX, XXXX, Illinois. Any additional cardholder information can be provided on request by calling XXXX. 

For the XXXX billing period, the amount owed on the account was {$22.00}. The due date was XXXX XXXX. Payment was sent on time, but, probably due to the XXXX weekend was not recorded until XXXX XXXX. The delay in payment, at the very worst was one day. If the payment had had been recorded on XXXX XXXX, the balance on the account would have been XXXX. Instead, a late fee of {$24.00} was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). 

Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how {$24.00} was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor. After XXXX minutes a representative from XXXX came on the line. Interestingly, she could not help with the TJ Maxx account. 

Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the {$24.00} fee. 

The purpose of this letter is : 1. To make certain the {$24.00} fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. 
I am still curious how the amount of {$24.00} was determined. 

Thank you for your time and effort. I look forward to hearing from you in the near future. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had trouble with my Sams Club Mastercard, through Synchrony Bank, since Sams Club switched to it XX/XX/XXXX. I have used it at my local Walmart XX/XX/XXXX, and it was denied, I have tried using it when I traveled for work XX/XX/XXXX in XXXX it was denied, even though I contacted them through email to notify them of my travels. 

I filed a complaint with your office XX/XX/XXXX. 
I used it in XX/XX/XXXX, on a trip to Florida, after having notified them of my travels. I used it in a grocery store and was told of " suspicious '' activity, and they froze my account. 

This was the last straw, and I decided to not use this card anymore. 

As of XX/XX/XXXX my current " reward balance '' is {$240.00}. This amount should have been mailed to me by XX/XX/XXXX ... .I have not received it. 

This morning I talked to XXXX ( last name unknown ), from Synchrony Bank and tried to find out why I have n't received my money. He pretty much gave me the run around. I just would like to receive my {$240.00} and be done with this company. 

This company has been a thorn in my side, and I think their service is deplorable! 

I would appreciate any help in this matter that you could give me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: AR

Complaint narrative:
I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I paid three account off with a promised for a deletion and they took my money aa and did not delete the account jcpenny, XXXX, and lowes.

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.

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 2015-08-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!

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 2015-11-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon Store Card Statements are Deceptive. Phone Agents refused to explain my statements and hung up on me on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I have overpaid by {$23.00}. See details, below : Purchases in $ : XXXX XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX. Total Purchases of {$460.00}. 
2015 Payments and credits in $ : XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX. Total payments {$490.00}. Over Payment of {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have three promotional offer accounts with Syncrony Bank. All of these accounts provide a minimum monthly payment. I recently discovered that my hh gregg account through Syncrony Bank has been providing me with a monthly minimum amount which did not provide me with a monthly minimum amount to meet the promotional offering of zero percent interest and are now charging me 30 percent interest retroactively which is almost the amount of the original purchase amount. Since my other promotional accounts with Syncrony always provided a minimum monthly amount to avoid hefty interest charges, for some reason Syncrony provided me with a lower amount for this hh gregg account so that I would miss the promotional deadline so they could charge me an enormous amount of interest. I have tried to work this out with them but they refuse to acknowledge any responsibility of their part.

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 2016-09-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
While I 'm waiting for XXXX to be re-opened, another issue has arisen. I asked Synchrony Bank to allocate payments to XXXX charges on my account that expired in XX/XX/XXXX. They complied with my request, however, then they sent me 35 emails and a letter via postal service to confirm they had allocated the payments. Is it their standard company procedure to notify a customer that their request has been completed by sending 35 emails and a letter?

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 2017-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I woke up to an email from Credit Care that an online payment was made for {$500.00}. Which i did not authorize and it will make EVERYTHING including my mortgage BOUNCE. I did not authorize the payment on XX/XX/2017 to CareCredit for {$500.00} XX/XX/2017 XXXX PAYMENT - Date Posted:XX/XX/2017 $ XXXX. 
I called the Security Center at Member Benefits at XXXX and spoke with XXXX. She was not concerned with the UNAUTHORIZED charge and I heard a female voice listening and laughing. I asked to have my account closed so that I may go to XXXX XXXX XXXX XXXX as they are professional and take SECURITY seriously. She said that she could NOT do anything to assist me. I am now writing to the Consumer Financial Protection Bureau, the XXXX and The Federal Reserve to report XXXX for not assisting with my SECURITY of my CHECKING ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My credit card company, barclaycardus.com, immediately shows charges when I purchase something. However, I made XXXX huge payments yesterday from my bank account directly to barclaycardus.com. Yet neither payment has been posted, nor has my balance been lowered to the much lower " balance '' to which I pay interest on. It 's an electronic payment, just like the charges I make to the card. Why does n't my payment reflect immediately as well? I 'm paying interest on a " balance '' that is incorrect.

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 2015-11-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.

Company response to consumer: Closed with non-monetary relief