vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
Before I took out a payday/installment loan with Cash Central, I specifically asked the telephone representative about credit report reporting. The rep told me reporting only happens in case of default. I never defaulted yet this has been reported to the credit bureaus and is hurting my credit for having this type of loan. CC sent me the loan agreement which reads : " '' CREDIT REPORTING : We MAY report your performance ... to credit reporting agencies ... You specifically acknowledge and agree that we may disclose any DEFAULT by you under this agreement ... to credit reporting agencies. '' Yes, I agreed that they could report to DEFAULT. I never defaulted so nothing should have ever been reported. I want all Cash Central entries removed from all of my credit reports. I was lied to by the telephone rep and the signed agreement clearly only says reporting will happen in case of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied to Barclays Frontier Mastercard by XX/XX/2015 and was approved. On XX/XX/2015 statement Barclays transfered XXXX miles ( points ) to Frontier Airlines. On XXXX statement Barclays transfered XXXX bonus miles after my spending requirement has met. 
However my account at Frontier Airlines shows no mile was credit. 
I contacted Barclays almost XXXX times by either phone calls and secure messages with XXXX case numbers XXXX, XXXX, XXXX, and XXXX. 
I also had XXXX three way callings between me, Barclays, and Frontier Early Return Specialists, Barclays promised me that my missing XXXX miles will be credit to my Early Return account within XXXX days. They never fulfil their promises. 
As of today XXXX/XXXX/2015, my Frontier account still has no mile in it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Three times over the past several months I have made payment on my Synchronicity Bank/Sam 's Club Mastercard account, and the issuing bank has delayed posting available credit on the account for 7 days despite clearly stated policy on their website that credit for payments will be granted within 48 hours. The website states that it may take up to 48 hours for payments to post to an account, and offers no information about why credit may be withheld for a longer period of time. The cardholder agreement states ( in the section titled " When Payments are Due '' ), " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. '' In my opinion this is a vague statement, and it is in a section of the Account Agreement that it does not even relate to ( When Payments are Due ). 

In each instance I called customer service to inquire about the delay. In each instance I was given a different reason for the bank 's decision to withhold available credit, including 1 ) making two payments during a billing cycle in the same amount indicates possible fraud ( I did this while on business travel because the account was nearing it 's limit ) ; 2 ) making two payments in any amount during the same billing period indicates possible fraud ( I did this near the end of a billing cycle because the balance was nearing its limit and I wanted to continue using the card ) ; 3 ) making a single large payment indicates possible fraud ( I simply paid off the balance of the account a couple days into a new billing cycle ). 

For as long as I have had this account, I have never been late on a payment, I have never had a payment returned due to insufficient funds, and I have always paid off the entire balance before the end of the billing cycle. I have been harmed by this policy due to the fact that I have certain bills ( medical insurance premiums, in particular ), that I had planned to pay using the available credit on this account, however the credit was not made available within 48 hours as stated by the website when payment was made, and I had no other funds available to pay these bills in a timely manner.

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 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied and was approved for credit ( XXXX ) at Ashley Furniture in XX/XX/XXXX. I cancelled the account due to non-delivery in XX/XX/XXXX. Then this month ( XX/XX/XXXX ) received a letter saying that someone had tried to run my credit at Ashley Furniture on XXXX XXXX from Synchrony Bank. I was nowhere near there that day ( at work at a conference in XXXX WA all day ). 

The only way this was done was someone walked in saying they were me and no one asked them for an ID or was working in cahoots with that person to steal or XXXX of the employees there ran my credit on their own. 

I called and spoke to XXXX, a so-called manager and she was absolutely no help. she acted as if it were nothing, asking me if I called the bank. 

I have an email from another stating that she closed my account in XXXX. 

I was denied a home equity loan because of this and plan on going to the fullest extent of the law with this. I curse the day I ever stepped into that hellhole! They are the worst!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I purchased furniture from Conns in XXXX and let them know I needed my payment to come out on the XXXX. The salesman informed that had been arranged and my first payment would be due in XXXX. This is not what happened. They call me several times per day and I have informed them my payment is supposed to be on the XXXX and to note the account I will be making it then. This payment is not even 30 days past due as they claim it was due XXXX. On Sat they called me 11 times and this was after I told them what they were doing was illegal and I was going to report them. Then on Sunday ( when they are n't supposed to call at all, they called 5 times. Allready this morning XXXX they have called 3 times, and one call was 15 min apart. from the next. This company is harrassing me after I already informed them of the mistake and gave them the date I was going to make my payment. Again, this payment is not even 30 days late if we go by their date. And technically not even due yet if you go by the date that was promised the payment would be due. Please help, I have asked nicely several times that they fix this, and then told them if it did n't stop they would be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a CareCredit card to pay for XXXX. I picked up a pamphlet from my dentist 's office and applied online, with the understanding that it was a standard revolving loan. I was unaware there was a promotion wherein I would unknowingly be accruing interest to be tacked on at the end of the promotional period if the full balance of the loan was not paid off. I made payments on my loan and in XXXX 2016, I received a bill with $ XXXX dollars in accrued interest. Additionally, the accrued interest put my balance over my credit limit, which caused me to incur more fees. CareCredit has deceptive advertising and application processes and preys on people who are facing dental and/or health issues and need to find a way to pay for the procedures. I never received CareCredit 's required disclosures in the mail and was not provided adequate guidance regarding the loan 's terms during the application process.

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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit 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 non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I applied for credit with Synchrony Bank XXXX FL and was turn down because their system said my credit score is too low [ XXXX ] this is not correct my score is XXXX XXXX and XXXX XXXX I feel this is Discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.

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 2016-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Remit Corporation
State: PA

Complaint narrative:
When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.

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 2015-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a XXXX Rewards Card that was initially issued by XXXX Bank. I think that in the middle of last month, XXXX 2015, the card was taken over by Synchrony Bank. XXXX Bank sent me a statement at the beginning of XXXX telling me to send payment of at least {$25.00} to XXXX by XXXX XXXX. On XXXX XXXX, my bank sent XXXX an online payment of {$700.00} which is how I 've paid that bill for years. I went to XXXX 's website the next week to see if the payment had been made, but the XXXX Card had been removed. On XXXX XXXX, I received an email from Synchrony Bank telling me that I could access my account on their website. I did and found that the {$700.00} payment had not been credited. I called Synchrony the next day, XXXX XXXX, and they said they had no record of the {$700.00} payment. They also said I had to make a payment by XXXX XXXX or I 'd be charged a late fee. I called XXXX, which recieved the payment from my bank and they said they had no record of it. I also called my bank, XXXX XXXX XXXX XXXX, which sent me the wire receipts showing the funds being wired to XXXX. 
Yesterday, XXXX XXXX, Synchrony Bank charged me a late fee. My credit union is investigating what happened to the payment and calling me with updates, but neither it, XXXX, or Synchrony know where my {$700.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kirschenbaum & Phillips P.C
State: AZ

Complaint narrative:
A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I attempted to file a dispute for items returned back to Gap, the incorrect/wrong items were sent and were returned back. The order, XXXX, contained wrong pair of jeans and shirt. They were sent back on XXXX, arrived on XXXX according to XXXX. Tracking number is XXXX. The order total is XXXX. Again, I attempted to file a dispute, but do not know if the rep ( s ) actually filed it as their XXXX is poor and hard to understand. XXXX rep was provided with reason for dispute and return tracking information. As with most companies, Banana Republic credit customer care has been outsourced to XXXX, reps are ignorant/hard to communicate with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a XXXX credit card through Barclays and I was just charged some kind of deferred interest, of which they provided no advance warning, of over eight hundred dollars in a single charge. I was steadily paying off this balance and was XXXX XXXX dollars below my credit limit, and now I am, out of nowhere, XXXX XXXX dollars over my credit line. I do not understand why they are just allowed to do this, which completely messes up my credit and short term budgeting, which no warning or clarification. Please help me deal with them to try to get this egregious charge taken off of my account. Do n't they have to provide notice or explanation? If they were about to charge me XXXX XXXX dollars of interest, should n't they have notified me, since they notify me automatically every XXXX month when a payment is due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}

Company response to consumer: Closed with explanation