vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. 
After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. 
So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. 
I need this chaos corrected, 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 2016-03-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.

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 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB

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 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection
State: MD

Complaint narrative:
The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a CareCredit account in XXXX of XXXX. I charged my XXXX treatment to the card ( about {$3500.00} ) and signed up for automatic payments. I arranged for {$120.00} to come out of my checking account each month. I was aware that it was only interest free for 1 year 's time and wanted to pay off at least half of the charges. In XXXX, when the promo period had expired, I realized that CareCredit had been lowering my payment from {$120.00} to their minimum payment. Looking back at my records, they began lowering my payment from {$120.00} to {$91.00} until eventually, {$70.00} was being deducted, something I had not authorized. After doing some research, I realized that CareCredit had been ordered to pay {$34.00} XXXX in a class action lawsuit in XXXX for that very same reason. I did n't know about the lawsuit at the time I opened the account and if I did, I would 've never opened an account with CareCredit. Now, I am paying {$200.00} a month, and it 's as if I never paid anything on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
To Whom it may concern, I am extremely unhappy with the recent finance charges charged to my Barclay card account. I applied to this card via XXXX solicitation. When I applied, I was under the impression I had 18months at 0 % to pay this off. Apparently, I had only 12 months at 0 %. Which was not made clear whatsoever! This is the first card I 've done online statements with and never checked them because I always pay each month on time and thought I had 18 months to pay it. I received no notification via mail, phone or online saying my 0 % was expiring. The only reason I noticed something was wrong was because my account balance was off. I 'm truly disappointed that no one could call or make it easily and visibly apparent my 0 % was up by putting it on the main personal dashboard page and/or in the online payment section. I feel duped and taken advantage of ... .bait and switch for sure! I 'm a good paying customer and will no longer be a customer due to this method of business. While I appreciate the partial refund, I do not believe I owe anything because I was not aware my 0 % was up and believe they want online statements to gain money from unaware customers like myself. I believe I am owed back the difference I 've been forced to pay in interest. They charged me the interest for the entire year because my 0 % was up ... I had money to pay in full but was going to pay monthly because I thought I had 0 % for 18 months. Almost {$200.00} ... Unreal! From what I have found online they have done this to many many customers!! Appalling and criminal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jones, Robin & Robin, P.C.
State: GA

Complaint narrative:
My husband owed a debt to a certain bank which unfortunately we had to stop making payments on because of his financial situation. He is & has been on a fixed income since 2005 ( XXXX, XXXX funding ). He was served a summons of garnishment from a creditor in the county we live in. My complaint, in the state of GA certain funds are exempt from garnishment, XXXX funds just to name a few. Our bank protected his XXXX funds however they did not protect his pension or workers comp deposits from being garnished and this is the only income provided to him to manage, take care of our entire households survival. What I want to know can we sue our bank for not protecting these funds? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.

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 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.

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: Billing disputes — 
Company: Kirschenbaum & Phillips P.C
State: OH

Complaint narrative:
Attached is a copy of a Collection Letter received by myself. Virtually Simultaneous to the mailing of this letter, which by law is to permit an answer by defendant within 30 days to any disputes of debt or any portion of it, to gather whatever evidence the defendant might have or to seek legal advice and discuss any remedies to alleged debt, the Alleged Creditor thru their Attorney in Violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act the Collection Company filed a complaint with the court. 
I attempted to contact the Collection Companies Attorneys of record on several occasions including XXXX XXXX, 2015 and XXXX/XXXX/2015 to discuss first and foremost the violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act as well as the alleged debt and on both occasions was told a different amount was owed $ XXXX than in the complaint and that XXXX of the attorney 's would reach out that day or the next or in the case of the XXXX XXXX call the next day or at that very latest XXXX XXXX to discuss the violations and the alleged debt. In neither case did this occur. In fact in further violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act a letter dated XXXX XXXX, 2015 was sent to me stating that I had instead of notifying them of violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act, that I was in fact merely calling to dispute the debt, continuing to use the fruits from their poisonous tree to further their own case, and attempt to protect and insulate themselves from ongoing violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act. 
In addition it appears my own research that any alleged debt that might exist is not with this Creditor as I can not get alleged original creditor to verify that XXXX is the creditor of record. The only references of record that I 've been able to get via XXXX number references are a company called XXXX Capital that then referenced a company called XXXX. As such there is certainly the peril that if I were to make any arrangement with this Collection Company that additional alleged creditors could present themselves at a future date. The presentation of copies of alleged statements from the original creditor in possession of Collection Company does not constitute a legal ownership of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.

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 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XX/XX/2017.

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