vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.

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 2016-08-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.

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 2017-01-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

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 2015-04-21 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.

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 2016-12-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For the second and third time this year, XXXX in XXXX reported attempted fraud by Synchrony Bank. See attachments. I already reported Synchrony to CFPB earlier this year, when it failed to remove the first fraudulent credit report inquiry after repeated contacts. I spoke with Synchrony twice in XXXX. Both times I was told they would mail me a form to sign to have these fraudulent hard pulls removed from my credit reports. Synchrony has again failed to do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
No one contacted me from collection agency with proof of debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX XXXX Credit Card : has a paragragh in fine print that entices a seemingly innocent plan. In the fine print : [ **Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promotional purchase amount in full within 6, 12 or 18 months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts : Purchase APR is 29.99 % ; Minimum Interest Charge is {$2.00}. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. ] Being a senior citizen I am not able to read the fine print, and rely on the honesty & integrity of the company. I had arranged for my bank to autopay every month for 18 months. Comes the XXXX month, without my knowledge, the autopay stopped 2 weeks before the last payment. Which took me to a non-payment before the end date of the promo. Because I opted for the paperless statements I was unaware of the issue. I contacted XXXX Bank and asked to give a grace period. I prepared to pay the rest of the balance of {$600.00}. Instead they said I owe for the last 18 months of 29.99 % {$2100.00} was my remaining balance. There should a law against this type of credit card interest trapping. After several calls, they agreed to let me pay the balance owed. I am a lucky one but what about others that do not know how to fight these banks? 
Please do not allow banks to trick people. 29.99 % is high enough, but to miss a few days and tacking on the interest from day of purchase is not right. They rely on unsuspecting people to make a mistake like what I did. I will never buy from XXXX XXXX ever again.

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 2015-10-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. 
After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
Cardinal Financial offered a better rate on my mortgage so I followed the normal refinance process of full disclosure of my assets, income, and obligations. There was no doubt that I had at least 60 % equity in my home based on selling prices of like models in our subdivision. I said to Cardinal Financial if I did not qualify for any reason I would not pay for an appraisal. Cardinal Financial said I qualified so I paid the {$470.00} for the appraisal. The appraisal came 10 % lower than comparables, but still showed 50 % equity. I have a pension, social security, and had a part time job. Next thing Cardinal called me and said the part time job needed to be in existence for 2 years and suddenly I did not qualify. Since my wife at this time received an inheritance that could bridge this income shortfall through an annuity I offered this as a substitute for the part time job. The individual I was working with suddenly would not return my calls as well as any of my contacts at Cardinal. I registered a complaint to the North Carolina XXXX ( case id : XXXX ) to get my {$470.00} back and even though they responded that I did n't qualify because of the XXXX job, they never answered my other questions such as why I qualified before the appraisal but not after they got my {$470.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased an item from a retail agency ( XXXX ) and it arrived damaged. Upon calling to return the item ; I was denied that option repeatedly despite of their return policy. I called Synchrony bank for assistance, they credit my card but placed the charge back on my account. I submitted proof and they refused to credit my account. Upon talking with the rep from XXXX I was told that the rep from Synchrony was a friend and he was n't worried about a charge-back. I wrote to the XXXX ; however they stated that they could not force a resolution. I canceled my credit card due to Synchrony does not support its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: MT

Complaint narrative:
XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have been a XXXX XXXX card holder since 1995. As of this year, they gave control of the card to Synchrony Bank. Unbeknowst to us, they transferred control in early XXXX shortly after we made a {$1600.00} payment to XXXX. We were told it would take 30 days for XXXX to transfer this payment to Synchrony Bank. In the meantime, we have faxed proof from our bank that these funds were indeed taken out of our account via billpay to XXXX. It has been 45 days now. After multiple calls to Synchrony, we ( myself and a representative from Synchrony ) contacted XXXX and were told that these funds had been transferred by XXXX XXXX. Now, they are telling us to get a " transmittal form '' from our bank to prove again that this transaction did indeed happen. Unfortunately, we have been charged a " late fee '' and the card was put on " hold '' while my wife and kids were out of town. Needless to say, she needed to use the card for gas to get home and was shocked it was declined. The representative from Synchrony Bank is still unable to locate this missing payment, and it seems to me that they are asking me to find it in their system for them. Additionally, they tell me that they will continue to charge late fees ( as well as affecting my credit ) until they can find it in their own system and apply it to our " new '' card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My XXXX XXXX expiring next month XXXX they sent out new card and never notified consumer that your current cards are deactivated - we are trying to use are current credit-cards and they will not work for my self and my wife very embarrassing call barclaycard and they said we have reset card not telling the consumer card is deactivated because new cards are sent out so we can not use our credit card for 10 days and we are stuck it was a hassle very embarrassing when card were decline at all retail store and gas station barclay should have notified the consumer all consumer and expidited the new cards but they never did that and never said anything to the customers

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 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!

Company response to consumer: Closed with explanation