vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XXXX XXXX th my husband and I went to the ATM at XXXX XXXX in XXXX XXXX, Ar to withdraw {$500.00} from my Bliebird American Express the ATM did not dispense the money but withdrew {$500.00} off of my card. On XXXX XXXX I opened a dispute form with my XXXX AMEX I submitted documents from XXXX XXXX and XXXX that agreed with my dispute. On XXXX XXXX the denied my despute and closed the case. Stating I received {$500.00}. I reopened my dispute as of today XXXX XXXX 2016 I still have not received {$500.00} I call on a daily bases with no resolution. I have even emailed the XXXX of Bliebird AMEX on XXXX XXXX 2016 and I have yet gotten any response. XXXX. My electric and water have been shut off and have been forced to sleep on a friends couch. I have no groceries and my parents have had to feed myself and my family. {$500.00} might not matter to anyone but it 's a huge matter to me. This {$500.00} has turned into over {$1000.00} that I some how have to figure out how to pay back to people. I can be reached at XXXX XXXXXXXXXXXX please I am desperate from some help or if you are unable to help can I please be notified as well. This is embarrassing and extremely depressing. Again I can be reached at XXXX XXXXXXXXXXXX Thank you for your time XXXX XXXX I can provide all the documents that I have confirming my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express Company has closed my American Express Serve account. My account was closed with XXXX dollars in it. They have violated their Terms of Service because my account was closed with funds in it. My account was not a Sub-Account, it was the Primary Account. I please ask that American Express Serve return my funds which equal to XXXX US dollars to me as soon as possible. 

According to their Terms of Service, found here : ( XXXX ) states the following for Section XXXX : Suspension of Use ; Cancellation ; Closure. 

We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law. We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. 

This is the email I received from American Express Serve Team : Card Number XXXX : Hello XXXX During a recent review of your American Express Serve ( R ) Account we noticed activity that was in violation of the Serve Member Agreement, section : Section XXXX to the violation, your Account has been closed. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The American Express Serve Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX has shared my information to midland mcm without proper consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX credit card. My payment due date was XXXX XXXX, 2015 - I made a payment on that day through their online credit card site. When I went to review that the payment went through the following day on XXXX XXXX, their was an acknowledgement of the payment and listed as " pending '', yet there was also a {$35.00} Late Charge fee - POSTED ON XXXX XXXX - the SAME day as my payment was made. I find this a disreputable practice in XXXX ways ... ( 1 ) They should not assess a late fee ON the Due Date - if anything it should be the day after. ( 2 ) The fact that a Late Fee is even posted to my account is a blemish on my credit record. I contacted their online 'chat ' service immediately and the representative stated that the Late Fee charge would be removed. I will follow-up & view my account online again on XXXX XXXX to ensure that, indeed, occurred. Overall, this is an unsavory business practice, XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then XXXX going to interest and not showing a drop under the credit limit amount. 
My own bank XXXX XXXX just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. 
I would like to request this matter be looked into. Thank you XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Credit card stolen XX/XX/2016. Reported to XXXX cancelled card and account. Keep getting billed by Synchrony bank. Have spent hours resolving situation but keep getting billed by bank. Have not had account in months. Each month call bank and am assured problem resolved. I do not have an account but XXXX keep billing me. XXXX wits so do not know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. 

They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on 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 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a care credit account XX/XX/2015 for XXXX. That account was not closed but was paid off. On XX/XX/XXXX I recirved a care credit master card in the mail. Called to inquire because I had never ordered or requested a card. The representative advised me that this account was open for me and card sent because they upgraded my account to a MasterCard. I was surprised to hear that I had XXXX accounts open with them. As I only opened XXXX last year. When questioned, the representative advised me that this second account was opened for me last month. I cancelled XXXX accounts. They were not authorized to open that second account. I am upset by this it appears an employee may have opened this fraudulently without my knowledge. In addition, I was not aware a card was coming so someone could have taken my mail and activated it. This is a very sketchy and unsafe practice. I would appreciate if someone could look into Care Credits business practices for opening accounts.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
i can not get on my website they told me i would only have to get a text one time this is everytime i have XXXX p.c.. no phone account i am just sick of it

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 2017-02-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONWIDE EQUITIES CORP
State: PA

Complaint narrative:
Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony bank closed a credit card, I paid off because they did a financial review and I had a different card with them that I was 1 payment past due on, because I had a reduction is work hours, which I had scheduled the payment and it was pending. This account the closed was paid in FULL, had nothing to do with the other card or the payments with the other card. This is udder BULL. They charge you two payments and up your scheduled monthly payment if you are 1 payment past due. If you owe them XXXX past due payment and the new payment XXXX, which i not considered past due, They charge you a total payment due of not XXXX but of XXXX, then report on your credit you are two payments past due, when you are only 1 payment past due. How is this allowed. Okay so they charge you XXXX past due, they go ahead and up you next scheduled payment to XXXX instead of XXXX. They change the terms of your credit. I am sorry this should be illegal and they should not be allowed to do this. This is why all of sudden someone who had a great credit score is now a poor score. You bank of paying XXXX communicate to them, they still call you 50 times a day, no joke. In one day they called me 35 times, each time I had to tell them I have schedule the payment, however they claim you have not scheduled the payment or communicated to them. " LIARS ''. You have to continue to repeat to them, I am late due to loss of income. Seriously someone who pays their bills and has a record of doing so does not just ignore their obligations. I feel like this bank should be investigated for fraud and a class action LAW SUIT should be filed against them and I would like them to be fined for what they have done to folks. I ca n't wait to pay them the other XXXX on the other card and I will close the account. I will send them the CARD in a XXXX tiny pieces. They are ruthless. I understand the late fee, but to double the payment and close account which has nothing to do with the one I am past due on, ILLEGAL!!!!!!!.

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 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

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 2016-09-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.

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 2016-04-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus 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 monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.

Company response to consumer: Closed with monetary relief