vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
As a XXXX user we answered a promotion for Visa thru Barclays Bank to create additional reward points by using their Visa. We were to received XXXX points once we spent {$1000.00} using the Barclays XXXX Visa. We did. We could see the points on the statement. They have since disappeared. XXXX, the points created monthly have not been transferred to the Choice Privilege Acc't. 
The promo, also, promised XXXX points on the anniversary date of the XXXX card. We fear that wo n't happen. 
Tried to use the customer support for both XXXX Hotels and Barclays Bank. They just point fingers back to each other.

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 2015-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
received an email stating I owed XXXX on credit card, This is incorrect. Called credit card Paypal MC and they continued to tell me I owed XXXX. I spoke to a supervisor who said I had only made XXXX payments since XXXX 2015 which is incorrect. When I asked why they hadnt contacted me he said they called XXXX times. I did not receive any messages from them on my cell. Supervisor said " I should have recognized the number ''. I asked why should I recognize the number. Everyone receives spam calls on cell phones. I respond, at XXXX suggestion, only to calls that are known to me. After an hour of talking we still were no where about this problem. Finally I asked if had been reported to credit bureau, he said yes. I said I was told by a rep last week it was only after 60 days I would be reported. After XXXX minutes of trying to discuss this, he finally agreed I was correct. He was very hard to deal with and we got no where regarding the XXXX payment due. I told him many times it was incorrect. After XXXX hr of this difficult conversation and with no resolution, I had to get off phone to go to work. Paypal Master Card is operated by Synchrony Bank. They have been extremely difficult to deal with since opening the acct XXXX 2015. They incorrectly contacted the credit bureau with a derogatory statement, which after many calls from me then, they finally agreed to correct. If I had not called and insisted, they would not have done it. They also removed XXXX late fees charged for their mistakes. Now they are doing it again. The bank is very questionable in their dealings with me. They are trying to charge me more money than they should and at the same time demanding I 'know '' their phone number when they call sporadically any hour of the day and leave no message. This company is harassing me in regards to this credit card. I have made no late payments anywhere on any acct for the last 15 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: NC

Complaint narrative:
Recently acquired information pertaining to USA Discounters utilizing unlawful practice with loans. I had a XXXX loan with this company in which I have paid off over a 4 year time span. It is to my understanding that USA Discounters are to provide full restitution for the time period of my loan. I also was XXXX for a year of my loan and also was not granted the decrease of percentage. I have attached the article for reference. 

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 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: USA DISCOUNTERS LTD
State: GA

Complaint narrative:
I recently was attempting to lease an apartment when the property management discovered a judgement on my credit report for over $ XXXX from USA DIscounters. This account has been taken care of for over a year. I called them to get a letter stating it was taken care of and they told me they 'd have to check and see if they had one since it had been over a year. I also asked about the credit report and they proceeded to tell me that it was my responsibility to file a dispute with the bureau. They have handled their part. My experience with them has been nothing but a hassle since day one. I also noticed there was lawsuit against them. I am not in the military any longer, but am I able to get retributions from these illegal procedures and 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 2015-05-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Old navy visa Card by scynory bank wont give me a credit increase because they say I do n't have enough of a credit score but its because all the fraud in curies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/XXXX SYNCB/Lowes # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX RE : Credit Dispute Resolution from XXXX Credit Report Dear Sir/Madame : My name is XXXX XXXX . XX/XX/XXXX my credit report shows 30 to 60 to 120 days late on a charge of less than {$100.00}. The Lowes Credit is always good paid full. I bought a washer and dryer totaling over {$1900.00} from Lowes ; paid it in full with no problem. 
It appears a charge was put to me in XXXX XXXX for less than {$100.00}. I would never let such a small amount of money ruin my credit, as it has. 
I did not make this charge. No matter, I will pay it now to save my credit. 
As this negative information is preventing me from gainful employment I would like to request that it be removed from my XXXX credit bureau reports. 
Please contact me. 
Humbly Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2016-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I purchased warranty for a TV with Conn 's, I had the TV replaced but, was not notified that I needed to purchase a new warranty for the replacement TV. I was not notified until I tried to use the warranty for a 2nd time that my replacement TV was not covered. I received all sorts of different, conflicting information from the Conn 's representatives. Additionally, I found out that although I had supplied Conn 's with a copy of my renter 's insurance policy, they had not adjusted my account. I supplied Conn 's with proof of the confirmation sheet that their rep had provided to me and they still refuse to adjust my account. Finally, I spoke with a Conn 's rep on XXXX/XXXX/15 and authorized them to draft a payment from my checking account on XXXX/XXXX/15. Instead of drafting the payment on the correct date, they drafted the funds on XXXX/XXXX/15 and have failed to compensate me for their error. Conn 's has a pattern of dealing deceptively with me by failing to give me pertient information, refusing to adjust my account when I 've provided them with proof that they said they would, and by making unauthorized drafts from my checking account and refusing to compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I owe money on my Sam 's Synchrony Bank Mastercard. I am in a debt management plan with XXXX to help make the payments. I constantly am receiving phone calls at abnormal hours of the week, such as on the weekends and at night time claiming to be collection calls, but then when we pick up the phone, no one answers. So, someone there is stalking us via the telephone.

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This inquiry was not me

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 2016-10-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an excellent credit history, I am a home builder and buy numerous homes at local auctions, fix them up and flip them. I depend on my credit for business and my credit score typically runs between XXXX-XXXX. A few days ago my credit took an incredible drop due directly to a Synchrony BP card in my name ( SYNCB Bank ) that reported inaccurate information to my credit reports. It is a card I rarely use and paid off months ago. 
After researching I found out that somehow my statements where changed from being mailed to me to online only. I NEVER have online delivery of my statements and believe this could have been inappropriately initiated by Synchrony BP Card. As a result a small balance, which I am not sure is mine of {$360.00} went 40 days late. Synchrony bank never sent me updates, reminder, statements, phoned or in anyway attempted to contact me. My credit score on XX/XX/2016 was XXXX. On XX/XX/2016 after XXXX reported I was late, my score dropped to XXXX. ( See attached documents ) I contacted SYNCB bank on XX/XX/XXXX, disputed the late charge, requested an investigation and demanded the late payment be removed from credit reports immediately until the investigation is completed and then updated accordingly. I have also filed the appropriate disputes with XXXX, XXXX, and XXXX. I do not have faith SYNCB will conduct a proper investigation and follow federal policy by removing the late payment status until the investigation is completed. Additionally, as a result my Auto insurance was just raised by {$180.00} a month die to my XXXX score

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 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I was going to use my card and it was declined so I called Customer Service and they informed me there were suspicious transactions so they placed a hold on my account, which I appreciated greatly. They went through my recent transactions with me over the phone and I identified XXXX purchases that were not mine. They canceled my card and informed me that it would take 90 days for the fraud investigation to be conducted and the unauthorized purchases would remain on my account until after investigation. I asked if I could do anything to assist and they said they would contact me if they had any questions. I received my new card and new account number shortly after and then called again in XXXX XXXX to check the status. The representative said it was never filed yet she knew exactly which transactions were in question. So-they had the information, sent a new card, and never sent it to the fraud department??? The representative was unable to tell me what happened, she just kept apologizing and said it 'd take 90 days from that day. I called again in XXXX to make sure investigation was happening and the representative said that it was in the fraud department. I also requested a copy of my XXXX XXXX, XXXX XXXX, and XXXX XXXX statements since online banking does n't allow the consumer to view transactions further back. I still have not heard anything about the investigation and have not received those requested statements and it is now almost XXXX. The whole time over {$900.00} in unauthorized charges have been on my account, accruing interest fees and I still have no information from them. This is unacceptable.

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 2016-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank calls several times each day although I explain my dire financial situation. Other actions are available to Synchrony Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.

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 2015-06-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I financed some dental treatment through CareCredit/Synchrony Bank which offered no interest payable promotion for twelve months. I am at the 10/11 month stage and intend to pay off the charge in full to avoid interest charges. The account is " paperless '' and managed on line. Nowhere is there any provision or " menu '' for online payment in full ; and telephone contact is limited to a automated menu, unless you are willing to pay {$10.00}. to speak to a representative. I will not pay to speak to an agent, but I have persevered in locating the home address of Synchrony Bank in XXXX, and will send them a check for the full balance. 
It is obvious to me that the " paperless '' format for managing an account is designed to make it next to impossible to pay off an account in full exposing the card holder to the post promotional high interest rates. 
I request that you investigate this matter and take such action as you may deem appropriate. 
XXXX XXXX NJ XXXX 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 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Residential Title & Escrow Co
State: MD

Complaint narrative:
The XXXX used by the XXXX has not recorded the Deed, resulting to show the Builder as current owner. I contacted XXXX. ( XXXX XXXX ) and they have sent the outstanding property tax monies to my county. The XXXX Co has yet to file for recordation and I have been in the residence since XX/XX/2016 There is also erroneous information on the settlement statement showing monies given for XXXX ( Fee to XXXX ), when this is an FHA loan, and I pay PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.

Company response to consumer: Closed with non-monetary relief