vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been sued for a debt that I do not owe, and that I have repeatedly told XXXX XXXX XXXX, plaintiff in the law suit, that I do not owe this debt. They have also reported this debt on my credit report.

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 2015-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Many accounts were opened since XXXX 2015, due to Synchrony Bank 's failure to conduct proper process and procedures relative to granting credit. For months, Synchrony Bank has failed to cease opening fraudulent accounts in my name that incur criminally-based purchases. A review of my activity within the Institution clearly indicates a consistent stream of accounts that were opened even though the Bank was officially notified of my identify fraud situation. I filed police report information with the Bank and was promised profusely that this harassment would end. The lack of professional ethics and negligence by Synchrony regarding granting consumer credit is astounding. Security freezes, one 's prior history of improper Bank activity relative to her or his good name, overt warnings on all credit reports identifying not to extend credit without direct contact, and repetitive pushing back fraudulent charges, appear meaningless as Synchrony extends credit to the exact address placed in the police report. 
As an American citizen, I am appalled. The Bank seems to litter unsecured credit wherever it can ; therefore, I can not believe that I am unique in this credit-approval processes. To think that it appears meaningless to write-off all these purchases, thus, forcing the American public to 'eat ' the Bank 's poor business practices, reinforces the cultural image of distain for this industry. 
The countless hours of filing reports, writing letters, and telephone-holding with both credit bureaus and the Bank 's Fraud Department trying to remedy Synchrony 's inappropriate use of my identity sincerely contributes to being a victim of a major crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!

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 2016-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. 
XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. 
XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. 
Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. 
The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. 


Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
There is a inquiry on my credit report for Jcp I have not inquired for Jcp and I live in XXXX not XXXX not sure who did that but that one is not me and should not be on there and would like you to look into that and release it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$400.00} worth of points I have earned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.

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 2015-11-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
someone tried to buy range at lowes with fraud credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement.

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 2015-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SACOR FINANCIAL, INC
State: OR

Complaint narrative:
XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, OR XXXX obtained a Writ of Garnishment against my IRA account at XXXX. Even after they were provided with conclusive evidence that this asset is exempt from garnishment under Oregon law ( ORS XXXX ), they failed to release the Writ, preventing me from buying or selling securities in the IRA account, resulting in actual and potential losses as a result of their illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.

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 2017-01-18 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.

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 2015-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Please excuse my writing errors as I am submitting through my XXXX. I was contacted by a debt collection agency that stated that I owed PayPal money through synchrony bank in the amount of {$320.00}. I tried several times to contact Synchrony Bank and all they would tell me was that it related to a PayPal account that was opened and closed. I was able to show them that I have had a PayPal account for several years and had not opened or closed any additional accounts. Regardless the bank let me know that they could not help as the debt has been past to a debt agency. I asked for documentation that both proved the account was opened by me ( in hopes of showing this was fraud ) or that I was notified of an open debt but they said it was out of their hands and the debt collection agency is who I needed to deal with. After contacting the debt agency, XXXX, I sent XXXX dispute letters. All they did was send me the same information of the original creditor, Synchrony Bank, and links to file a long fraud or identity theft claim. As I could n't get any original documentation of the account opening and as a medical resident have little time to continue calling the PayPal bank and debt collector I decided to pay. I now believe that I am part of the PayPal dispute that illegally opened an account without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
man they are calling me XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
This company sent me a credit refund balance from a credit i had on my Barclay credit card in the amount of {$360.00} on XXXX/XXXX/2016. When i received the check i called the number back on my card to make sure it was okay to cash it and the representative said she did n't see any stop payment on it so it was okay to cash it. So i mobile deposited into my XXXX XXXX account and the check came back unpaid and put my bank account in the negative which caused all types of problems and emotional distress. This is considered writing a hot check which is a crime and a felony no matter who you are.

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 2016-04-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.

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 2017-01-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''

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 2015-06-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
BP Credit Cards were issued by XXXX. XXXX has been replaced by Synchrony-offices in XXXX and XXXX, XXXX. With XXXX, we were set up to have our monthly balance automatically subtracted from our checking account. With XXXX, we received our first statement, with a late fee of {$25.00} and a interest fee of {$7.00}, on a balance of {$790.00}. Our account number is XXXX. I contacted Customer Service, XXXX times. First the fees were dropped, then I was told how to register my account, on a site, to have the balance taken out automatically-this does not work! Another call told me that I would receive a XXXX card, between XXXX XXXX and XXXX XXXX. I could then register the new card, with the XXXX digit number. My concerns are : ( 1 ) what if I had not contacted the new bank-I would have paid unnecessarily and my credit rating would drop, ( 2 ) I plan to be XXXX XX/XX/XXXX-if I do not receive the statement in a timely manner, will I again receive a late charge and interest charge? This could also damage my credit rating. ( 3 ) Is this the best way to do business? You receive late charges, with damage to your credit rating, and you do not have the tools to make the corrections. How much money is collected by banks that automatically charge fees which you can not avoid, since you do not have the correct tools to stop the problem?

Company response to consumer: Closed with explanation