vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I missed my XX/XX/XXXX PC Richards store card payment. On XX/XX/XXXX I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of XX/XX/XXXX and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On XX/XX/XXXX I received a credit alert that PC Richards reported me as being more than 60 days delinquent. I called Synchrony Bank on XX/XX/XXXX and enquired as to our arrangement on XX/XX/XXXX ; they gave me a complaint number and said they would call me back. While waiting for a response I did not pay the XX/XX/XXXX payment. On XX/XX/XXXX they called I offered to pay the past due payment we agreed to on XX/XX/XXXX but the said the past due balance was more. Upon further discussion on XX/XX/XXXX Synchrony Bank told me that they charged me a late fee for missing XX/XX/XXXX payment even though our agreement was still enforce. Additionally they are still reporting to the credit bureau that I am over 90 days delinquent when our agreement on XX/XX/XXXX is anew agreement. As of XX/XX/XXXX I am update with the payments. They were continuing to bill me he full past due balance and reporting be as delinquent when we had agree to new terms. 
monthly. On XX/XX/XXXX I paid the 1st payment. On XX/XX/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 2017-01-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I pay my bills online through XXXX. I always pay on time. This is the 4th time in the last year that Carnival Master Card has claimed my payment is late and have charged me a late fee. Each time I have caught it and they have reversed the late fee as I have proof from my bank it was received on time. I think they are hoping people will not look at their bill and not see the late fee. They tell me I should send in my payment at least 5 days early to avoid this problem. The lady claimed the holidays might have made the processing take longer. I say that is your problem. You received my check, the processing time is your fault.

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 2016-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I use a BP credit card ( Synchrony Bank ) for my flight business to purchase fuel for my planes. We use the card a lot depending on the weather. So some times I may need to pay on the card two or three times a month depending on how busy we are. 
So to my complaint : I have recently made a couple payments on said card. Last payment on XXXX XXXX, XXXX, which the money was taken out of my business account on same day and posted to the BP credit card account. To date they have not posted my money to my available credit due to what they have said ; multiple payments in a billing cycle. I have asked them to release the amount so that I can use the card for my business. I was told that they will not release the fund for two more days. 
I feel the this abuse if not thief on their part. They will have sat on my money for a total of 7 days. Credit card companies are allowed to take advantage of its costumers without any recourse. 
Account Summary Current Balance* : {$1700.00} Minimum Payment Due : {$0.00} Make a Payment Payment Due Date : XXXX/XXXX/XXXX Available Credit* : {$23.00} Request Increase Available For Cash Advance* : {$23.00} Total Credit Limit : {$2300.00} Payment History Last Payment : {$500.00} Last Payment Posted : XXXX/XXXX/XXXX View Online Last Statement Date : XXXX/XXXX/XXXX Last Statement Balance : {$2000.00} Enroll in Electronic Statements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. Thank you.

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 2016-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We booked a hotel room on XXXX using our TJX Rewards Platinum Master Card/Synchrony Bank. The hotel room was for XXXX XXXX, 2015 in XXXX XXXX. We paid {$210.00}. We received confirmation from XXXX. On XXXX XXXX we arrived at the hotel at approx XXXX XXXX. The hotel did not have any reservation for us and hotel was full. Called XXXX '' and they did not help us. We had to find another hotel on our own and pay from our own pocket. XXXX never got a room for us and never credited our card. TJX credit card said they can not help us. TJX CC initially credited us {$210.00} while the checked into it but later they took our {$210.00} again and said that the Merchant said that our reservation was non-refundable.?? They never made a reservation!! XXXX never paid a dime- they just did not perform. We lost {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Was not receiving statements in the mail. Payments were being sent with statement. I had called to see about reversing late charges and offered to pay the initial purchases but was told only half could be taken off. I have since paid the balance in full including all the late fees and fincance charges and interest. I want it cleared from my credit history.

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.

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 2016-09-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account with Amazon.com in XXXX XXXX for an Amazon Store Card through Synchrony Bank. I made a payment on XXXX XXXX, XXXX for {$100.00}, however, it was before the bank had produced my first monthly statement on XXXX XXXX. This satisfied my XXXX payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from XXXX XXXX - XXXX XXXX, XXXX. Unfortunately, when I logged into my online account Today, XXXX XXXX, XXXX to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statement explaining this error in arithmetic. When I called their customer service, I was told my payment had been set for the XXXX of every month, which I never consented to, was notified of, or was made aware of. Clearly, this was not the case when I made my payment the previous month, since there had not even been a statement made available yet. The customer service representative removed the {$25.00} Late Fee that was charged to my account, however, it will still appear on my credit report as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good 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 non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I told my debt collector that I got in XXXX different car accidents and that I had to pay for my deductible and car rental out of pocket along with being very ill. I told them that I could n't pay them at this time and that as soon as I get enough money that I would make a larger payment towards my debt. I was not working and that I only received SS for a XXXX and I get oaid once a month. I did have a part rime job but that ended several weeks ago. I asked them in a nice manner to stop calling me they said that they have to collect the debt and I told them I understood but they were making me sick harassing me and please stop to slow down the calls so that I can get better. They have nor stopped their calls at all they call every day, every XXXX minutes from XXXX to XXXX at night. I ca n't take this harassment anymore due to my XXXX XXXX. I 've told them that any time I had a problem paying that I would let them know and when able I normally double up on my payments to get back on track. I even created a post dated payment on their website for this month and they are still calling and now texting all the time. I 've literally gotten XXXX calls a day from the same company and they do n't even bother to leave a message they just call back every XXXX minutes. I never knew that this was exceptable behavior for a debt creditor and that although I owe the debt I have been with them for several years and have always paid. I 'm considering blocking or changing my number because I ca n't rest or do any daily activities in peace. I 'm in school too and they call all day and ca n't even concentrate, listen to instructor, or take a test in class in peace due to the constant calls. If you need documentation to prove my claims of harassment please ask me so that I can get my cell phone record from my phone 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 non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. 
The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. 
Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. 
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month. 

I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. 

This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX. 

Please help, thank you for anything you can do. - XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!

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