vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.

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 2016-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: FL

Complaint narrative:
My husband XXXX XXXX XXXX XXXX and I opened a joint account with this company in XXXX for furniture. We purchased a mattress set and a bedroom suite XXXX My husband is civilian DOD and the payments come out of his pay automatically through allotments bi weekly for {$100.00}. We have roughly paid over {$5000.00} on a balance that was supposed to only be a little over {$4000.00}. After two years we have not seen much decrease in the balance so I have called on several occasions to try and get a physical statement mailed to me so that I could see all of the payments and balances over the past two years. We 're going on close to three years for a balance we were told would be paid off in 30 months. The first attempt was inside a store and after arriving I found out the store had closed, so I called the XXXX number listed on our contract. The representative I spoke with refused to give me information on the account because she said I was n't listed on the account any more. Well I found out they rewrote the contract in XXXX after my husband added a jewelry purchase. I was not notified by phone or in writing that the terms of the contract had changed nor was my husband told that day that I would be removed from the contract. He has also attempted to get an itemized statement reflecting all payments and balances and to no avail. Additionally, the full contracted amounts are still being reported on my credit reports as closed accounts even though they unlawfully removed me from the contract. When I call they claim there is no record of me being on the contract prior to them rewriting 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 2016-08-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.

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 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I never applied for a SYNCB ( Synchrony ) credit card and they are showing an unauthorized inquiry on my XXXX credit report. I did not make this inquiry nor did i authorize it. please remove your reporting from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This company thinks that I have an account with them. SYNCB/WALMART. XXXX. Please have it removed from my record. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank is not sending XXXX closed XXXX account moneys to Trustee of a deceased account owner. Bank told me, the Trustee, that the forms would first be sent via mail. When nothing was received I was told by the supervisor that they would be XXXX to me. 5 days later I called and they told me an account number was written incorrectly therefore the bank could not send the forms, nor was I notified by them. I was assured during that conversation by the Supervisor of the supervisors that the forms would be send XXXX and this time would have a return XXXX envelope to expedite the return from me. Today is the XXXX day and I have received nothing. I have a call in to them but there has been no return call. This bank is very untrustworthy and misleading I am now having to contact legal help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank is absolutely disgraceful. A customer service representative told me that I could make a minimum payment without receiving a late fee. I was still assessed a late fee and concurrently assessed a late fee every month thereafter even though I was making payments. I 've tried calling and filing complaints and each time i 'm either given the run around and directed to people who tell me flat out that they ca n't help. I told them that I would no longer make payments towards the account if they were still going to charge me a late fee even though I was making on time payments. At this point I do not know what to do. The are impossible to work with and they 're ruining my credit score. I do n't know what 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 monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I called Barclays MasterCard credit card services today they said that I owe {$89.00} as of yesterday they change my due date without notifying me. I said no way I paid {$120.00} on the XXXX of XXXX.they kept my payment ... .and want the XXXX and because I do n't have it Barclay will hit me with a late fee. What the XXXX I have a perfect payment record. I refuse to send Barclay a XXXX dime.

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 card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately.

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 2017-01-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay cards is a company of thieves and and false advertising. They promised to open a credit card in 3 days with express delivery. However, then they say 7-10 days when I speak with them. Opening and closing credit cards destroy one credit report. Please ask them to delete the credit card ending in XXXX for all credit bureaus ( XXXX ). I will not stand to have open and closed accounts, with false advertising from representative and websites. This destroys credit score with fallacious information.

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 2015-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.

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 2015-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was approved for a Barclays Master card on XXXX/XXXX/16 with a XXXX credit limit. on XXXX/XXXX/16 I made a payment by money order in the amount of XXXX on my account parital payment. On XXXX/XXXX/16 I went to check my account only to find out that Barclays had closed my account. I call customer service to ask why my account was close and was told that they pulled my credit report and closed my account. That does not make sense since I have just open this account on XXXX/XXXX/16 and just made a payment of XXXX on XXXX/XXXX/16 when my first due date is XXXX/XXXX/16 also they pulled my credit report and approved me. I believe that I am being disccrimated against because I am a minority Barclays bank do not approve many minoritys for credit when you look at there history. They need to be investagted for unfair business practices

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each 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