vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
NOTE : The Card number may not be complete as I did not receive the card at all. 
Around XX/XX/XXXX I applied for Old Navy Credit card at a store in XXXX NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application. 

Early XX/XX/XXXX, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony. 
Upon understanding of the negative reporting I immediately called Synchrony. 
XXXX Synchrony asked me to call XXXX as the account was sold. XXXX did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from XXXX XXXX associates. 
XXXX The account was reported Charge off around XX/XX/XXXX and XXXX XXXX this Seriously impacted my credit. 
XXXX With various follow ups I was given to understand that there was a balance of about {$59.00} on the account however they could not explain why until the account was activated. 
XXXX Finally, i was given to understand that an application fee of around {$14.00} was assessed on the account and all other fees were additional late charges. 
XXXX Synchrony waived the charged and I paid {$14.00} and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call. 

I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my XXXX years of credit history I have NEVER been late on any of my accounts and would have not on mere {$14.00} if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over {$300.00} extra on my car loan interest due to this mis-management and credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony Financial automatically rejects applications for credit if a bankruptcy is involved. Why do they not state right up front that they will NOT consider or approve applications if a bankruptcy is present or on record in the past? They actively solicit & pursue applications from me yet never approve. They will also not advise of what credit score a person must have in order to be approved. Their reasoning does not seem objective or consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The promotion for XXXX furniture was not applied properly because on my account I incurred deferred interest when the payment were more than the minimum payment of {$62.00} but payments were made of {$150.00} for 2 years. Even if the payments were split there was plenty of money to cover the promotional period because the difference is {$88.00}. Interest was charged when it should not have charged. When I question the company about the payment they will not answer my question on why I was charged interest and when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In early XXXX of 2016, I purchased a XXXX, from Walmart. com. On Tuesday, XXXX XXXX, 2016, I picked up the product for Walmart neighborhood store number XXXX. When I opened the box, the Push Up Pump was severely damaged, with missing parts, I was unable to assemble the XXXX. I returned the XXXX to the store on the same day. It was signed for by the Customer Service Manager by the name of XXXX. It was authorized by representative XXXX at Walmart. com, XXXX Walmart phone number. Also, I have a receipt from the store stating it was returned. To this date, Walmart has refused to credit my credit card for the amount of {$82.00}, and stated the product was not returned. This is an unfair and criminal act by Walmart. I did returned the XXXX to the store.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to 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 explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX, 2017 I gave my credit card to XXXX for payment on TJX Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of XXXX. On Sunday, XXXX I went to the XXXX at the Convention Center in XXXX and tried to purchase a product using the same card for a XXXX ( jewelry cleaner ), website address is : XXXX. this was {$20.00} plus tax and my TJX card was denied again. I am XXXX years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why this has happened. There are two dates involved but you only allow space for one date XXXX and XXXX are the denial dates.

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 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USA DISCOUNTERS LTD
State: MD

Complaint narrative:
I have an account that is from identity theft and is not mine that is still reporting on my credit file ... I am attaching a copy of my policer report as well as a notarized affidavit regarding this matter these collection attempts need to be stopped immediatley and this account deleted from all credit reporting agencies..

Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
the bank is freezing my account with {$45000.00} and not giving me any explanation to the reasons why.

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 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We opened a Care Credit account when I had some major dental work done about 18 months ago. We have been making the payments every month - three weeks early. We get the statement online on the XXXX of the month and the payment is made by the XXXX and due on the XXXX. We do not receive paper statements nor have I ever received an actual card. When the online statement comes up on the screen, there are only XXXX options - pay minimum amount or pay amount in full. The minimum payment is filled in for us and there is no option to type another amount. At this point I was fairly certain most had been paid off. On the contrary - I am OVER my credit limit. I found this out today when I inquired about tacking on some extra onto the " card '' because my daughter needs her wisdom teeth taken out. After an hour of going round and round with them with their canned statements and them helping us navigate to a part of the site they said we should have been looking or just found on our own to see a myriad of bogus late charges that make no sense, we discontinued our conversation. So the only option with them is pay the minimum which automatically comes with late fees that increase your balance OR pay in full. They confirmed with us that that is their practice. So I guess the {$220.00} XXXX they had to pay out for Deceptive Marketing and the XXXX XXXX they paid in Care Credit Refunds just 18 months ago when they were " formerly known as GE Capital '' did not teach them a lesson. And the building similar complaints and even complaints now as Synchrony Bank are not deterring them from monster deception.

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 2016-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called into Synchrony Bank when I noticed an unauthorized transaction on my card. This happened on XXXX XXXX, of 2016. They said they would close my account for fraud and issue me a new card. They did issue me a new card, but I never got a credit on my account. When I called them back, a month later ( XXXX16/ ), they said that they had lost my info and would reprocess my fraud claim, which would take another 30-60 days. During this time I spoke to several representatives from synchrony to make sure they did n't lose track of my claim. But THEY DID!!! Can you believe that I called them on XXXX/XXXX/2016 and they said that the fraud claim was not filed and it would take another 30-60 days to process my claim. A month later after several phone calls to Synchrony, I got a letter saying I benefit from services ... this letter was dated XXXX/XXXX/2016. I was very confused at this point, because I explained to the bank that I did n't know the company, and never gave them authorization to charge my card. What benefit did I get from them? This was an unauthorized transaction and I thought that maybe they misunderstood what I had explained to them. So I called them back and said they must have misunderstood, and that I had no dealings with this company, and that in order for me to benefit from the service they had to sell me something. Which could not have happened because I DO N'T KNOW WHO THEY ARE. So they told me they would give me reconsideration ( XXXX/XXXX/2016 ). On XXXX/XXXX/2016 they sent me a letter denying me again, with the same boxed checked. I benefitted from services. No explanation. Nothing. They have a {$0.00} fraud liability protection, I do n't understand why they are not adhering to their own policy.

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 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused 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 explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hi, I have unauthorized charges on my card that Barclary did not want to report the charges are fraud but as a dispute. I wanted the charges reported as fraud because I did not do these charges on my card. I have the charges listed below that should be reversed to my account : 1. XXXX/XXXX/15 XXXX XXXX 2. XXXX/XXXX/15 XXXX XXXX XXXX 3. XXXX/XXXX/15 XXXX XXXX 4. XXXX/XXXX/15 XXXX XXXX XXXX 5. XXXX/XXXX/15 XXXX XXXX 6. XXXX/XXXX/15 XXXX XXXX Also I want this remove for my credit for the month of XXXX, XXXX and XXXX for any delinquency reported. I also want the refund of the {$35.00} and the interest charges of {$27.00}. All together this totals {$1700.00} back to my account. I would like this to be done within the next to 30 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief