vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter

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 2016-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.

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 2015-12-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I want to be sure that PayPal smart connect account ending XXXX is closed. Filed separate complaint after account was handed over to debt collection agency. Paypal has not been mailing me statements. Final amount due paid. Ensure account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Purchased a timeshare with XXXX XXXX and the sales representatives overstated the income. Unkowningly to the client, the sales representative added the income of each spouse to the individual credit card application, overstating each applicants annual gross income by approximately {$50000.00}. The entire purchase transacations was then chanrge to XXXX cards opened up that day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.

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 2016-04-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I filed the dispute with Barclays Bank concerning the charge made by XXXX to my account XXXX XXXX, 2015 for {$14000.00}. The dispute was filled out over the phone by one of their representatives as I was not given the option nor was it available to fill out the form over the Internet. Of everything I said, the company chose to use non-receipt of merchandise is the reason for the dispute. They have completely ignored all the evidence that the merchant presented himself as XXXX XXXX XXXX former XXXX XXXX -- which are both false, plus he lacks any certification by the state of Arizona to treat people with XXXX much less sell them. 
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.

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 2016-12-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
While reviewing my credit report, I see a credit inquiry from Synchrony Bank made on XXXX/XXXX/XXXX for XXXX XXXX XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they are NOT able to provide proof that this was made by me. I 'm XXXX sure that I did not inquiry about a credit account with this bank, especially for XXXX XXXX XXXX. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act.

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 2017-02-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge 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 explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, you wonderful folks -- you helped me with a problem I had with XXXX a couple years ago. Right now I have a query about an XXXX card I stupidly took out to buy XXXX item, which cost maybe {$30.00}. The card is issued by Synchrony Bank. Well, I forgot to pay it off right away, got behind, and now I have late fees on top of late fees. I have already paid more than {$200.00} to XXXX, but because of the late fees I still owe {$260.00}! XXXX has now referred the account to XXXX for collection. I do n't dispute that I bear some responsibility in this, but is there a limit to how many late fees they can pile on? I would be happy to settle the bill for a portion of the {$260.00}, if they would agree to that. I also need to know if I should pay Synchrony or XXXX, because I 'm still getting bills from both. The only payment records I could find are from my attached bank statements -- XXXX is under XXXX, the other under Draft XXXX. But I believe I have made other payments.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A XXXX citizen who went to XXXX XXXX for {$1800.00} worth of dental work. Could not afford to pay upfront ; XXXX XXXX told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a XXXX interest rate. She also showed me that only pay the monthly amount would cost me over {$5000.00}. XXXX did not explain this to me and did not tell me that I may have other options to pay this bill

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 2017-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My Sam 's Club MasterCard operated by Synchrony Bank had some fraudulent activities on it. The account was closed and a new card was sent to me. Once I activated the card I could then log in on line and check my account. The problem is since Synchrony Bank closed the account I can not go on line and look at any previous charges under my old credit card number. After several call to customer service managers the above statement is true and they have had other complaints about the same lack of service from other customers. The explanation is " That 's the way are system does it. '' Even though they have the ability to look at history the customer/account owner does not. When you get hacked you get victimized twice once by the perpetrator and once by Synchrony. So nice to be a valued customer ... ... ... .NOT!!

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 2016-05-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX visit on XX/XX/2016. I filled out their forms and I qualified for their XXXX program '. Vet took my XXXX to examin him and staff person came in and said it would be around {$49.00} for the visit. Vet came back and said they would draw blood. Vet said my XXXX would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was {$130.00}. I asked why when the first person said it would be only $ XXXX, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Staff person suggested that I take out their credit card. I started to fill out the forms and that 's when I was informed that to qualify for the credit card, the company required an additional {$160.00} fee for a total of {$300.00} be charged on the card. I was shocked and upset, but not much I could do. So they put a charge through for the {$130.00}, plus the additional {$160.00} XXXX for 'no services rendered, ' as far as I was concerned ). I went home and started thinking about the " forcing me to charge an additional amount. '' On XX/XX/2016 I got so upset with what I feel is a scam, I transferred money from my savings to my checking and had the bank send in a check for {$130.00} electronic date arrived XX/XX/2016 for vet services rendered directly to XXXX. The first part of XX/XX/2016, I received the CareCredit card with flyers inserted. I tore up the credit card. I then received a statement from CareCredit for a bill of {$220.00} {$27.00} for late payment charges. I wrote on the bill and returned it stating that the veterinary bill had been paid directly to XXXX XXXX XXXX and that they knew that I had paid it all up. Lately, I have been receiving phone calls from them XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX, since then daily XXXX calls per day. I have ignored them all. I am still upset about forcing me to charge the {$160.00} for absolutely no services rendered and now all the harassing phone calls. I would like to see that the XXXX XXXX XXXX stop this type of 'scam ' of forcing patients to charge these 'fake fees. ' I definitely want Synchrony Bank/CareCredit companies to remove the $ XXXX {$27.00} late charges and stop contacting me in any way shape or form.

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