vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX stmt. there was a late fee of XXXX. I made my minimum pmt and would look into this later. XXXX statement there was another late fee of XXXX. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them XXXX in later fees. But i continue to pay them my regular payment.

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 2015-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
My mother received a call from XXXX XXXX XXXX which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this one individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent 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 2015-09-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Amazon credit card, Synchrony Bank, will not allow access to previous statements online unless you subscribe to paperless statements. Also, Amazon credit card, Synchrony Bank, does not allow access to third party bill aggregatowr such as File This unless one subscribes to online, paperless, statements. I would love to move to a paperless model but I fear, without commitments from the credit card companies, this will be more of a burden for me then the card issuing institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with this card.

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 2015-04-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
As part of my USAirways Barclaycard account, I was eligible to receive elite status qualifying miles on my US Airways frequent flyer account should I reach an annual spending level of greater than {$40000.00}. In XXXX and XXXX, I received those miles based on achieving the spending level threshold in the prior year. The mileage posting usually occurred during the XXXX period in the year subsequent to achieving the spending threshold. I once again exceeded the spending level during XXXX, but as of this date have not received the elite mileage status posted to my US Airways account. As the merger between US Airways and XXXX XXXX has now moved forward to include the frequent flyer programs, I have made inquiries to both airlines in search of a satisfactory resolution. While each have pursued the research associated with elite mile postings, I have not heard back from either airline and not received confirmation from Barclaycard to confirm that they have taken the steps necessary to trigger the benefit that results from owning their credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.

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 2015-07-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, 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 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My Lowes Consumer credit card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account which was done on XXXX, there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my account XXXX/XXXX/2016 after they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.

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 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.

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 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a letter from Synchrony Bank stating they completed a review on my Belks Card acct. and a decision was made to close my account. This is the same bank I wrote a letter to close my Visa acct and responded that they will leave my acct open and lower my credit limit to {$520.00} after I wanted my acct closed. Now with the additional charges of late fees I received another statement with above credit limit additional fees. I thought I had closed this acct awhile ago. I do remember when I used my card years ago, I always paid the balance in full. they 're lowering my credit score. I am now on XXXX with little money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..

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 2016-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Fidelity Account Services LLC
State: PA

Complaint narrative:
These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.

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 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was a XXXX XXXX Credit card customer since 2006. I have never for the history of the card ever had a late payment on this account. XXXX apparently no longer handles my XXXX card which is now serviced XXXX XXXX signature credit card services. This new firm did not send me any notification of the change in providers. I was not notified of any outstanding or delinquent balance on my account. The only reason I discovered this outstanding balance was I registered for my free credit monitoring due the XXXX account hack where I discovered the outstanding balance of {$43.00}. As a result of not notifying about this balance my credit report has been dramatically impacted due to this delinquent balance. Upon finding all this out the balance was paid for in full and the account was closed.

Company response to consumer: Closed with monetary relief