vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. 
However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I need to have old account of jcp removed. I gave since obtain new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I had a late charge in which I disputed with Barclays. I had made a call to not be late and provided my checking account number and was told by agent it went through. Later i find out it did not and i was charged fees for them in accurately entering my account info. 

My dispute was rejected and received a letter dated XXXX XXXX. I called to ask how if could escalate and ask for another review and Barclays agent refused to provide additional info. Hence, I cancelled the card. I still want to appeal but after XXXX conversation with XXXX refusing to provide info on an appeal process I am filling this complaint.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # 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 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

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 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony Bank acquired my BP account from XXXX. I had transferred a balance to XXXX on terms of 0 % interest. Each month since their acquisition, Synchrony has added completely fictitious " purchases '' and " cash advances '' in the account, on which they charge interest. It is a small amount -- {$1.00} this month, but it is clearly fraud. I have tried to get it straightened out. Sometimes they refund the interest charge and sometimes they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Account is showing as a charge-off when it was actually discharged in bankruptcy.

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 2015-12-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
A relative applied and received a Walmart Credit card in my name for {$150.00} limit XX/XX/XXXX. I found out about this XX/XX/XXXX and contacted the card company. I began making payments on the account of {$50.00}. per month for at least the nest XXXX or more months. They would charge me a late fee every month of {$35.00} even though I explained I only get paid 1 time a month. I have paid them over {$500.00} and they say the balance is still over {$300.00}. This is crazy on a card with a limit of {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have recently had a problem with my XXXX credit card. Today i received a call from a collection agency about my XXXX card. I have received no notice of this from XXXX themselves. i was just hit with a phone call that my account has been sent to a collection agency. What shocks me even more is that it was for the Amount of XXXX. I was shocked at this phone call so i called XXXX in order to better understand the situation and all i received from the representative was that i had to pay the amount, and that nothing could be done about the fees!!!! I did n't even realize i owed money to XXXX, and i was NEVER contacted by them.

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 2016-09-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry. 

They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.

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 2016-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I keep getting calls on my cell phone while I 'm at work from Synchrony Bank in regards to my Walmart credit card account. I XXXX 6 days/week and I 've told them to stop calling me while I 'm at work. I told them when the best time to call me, but they still keep calling and I have no time for this while XXXX. I told them that if they kept it up I was going to file a complaint. I know this is a violation of my rights and they should be told to stop.

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 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my Chevron Texaco card I have XXXX balances, XXXX for purchases and XXXX for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known 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 explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.

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 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. 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 2016-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The bank of issue closed my credit card account due to inactivity therefore possibly causing ill affects to my credit score and report. I did not authorize them to close this free credit card account that was in good standing and I was not notified that such was happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation