vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.

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 2016-08-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Pusuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank! Synchrony Bank did not provide the documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section Synchrony Bank did not honor my dispute! They just sent correspondence saying the account was sold to XXXX XXXX XXXX which is a direct violation of the FCRA! 

( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it 's just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it 's not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It 's their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Consumer serviceMy problem is that this Synchrony Bank XXXX XXXX did not apply my payment to the higher interest account instead it was a applied to thelower interest account ( Balance before payment {$1500.00} after the payment {$590.00} ) The higher interest account did not go down remains the same {$4700.00} I have continued making the payments on this account never having any late payment. 
I had talked to the customer service dept before I made the payment they she assured me that the payment would beapplied to the higher interest account since I had already paid the payment due on the lower interest account. Needless to say they applied thefull {$1000.00} to the lower interest account. I have called them regarding this issue they explained that they had applied the payment to thehigher interest account which they did not. I sent a letter showing them prove they did not do what was promised. Hope you can helpwith this dishonest practice they want to charge the customers the higher interest of 23.99 % on the account. The lower interest of 4.99 % wasa promotion they offered for the life of the loan. 
Thank you for your time, XXXX XXXXXXXXXXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: KS

Complaint narrative:
I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to this debt.

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 2015-10-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is 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 non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX at XXXX I ordered a toaster online at walmart.com for free same day pick up at a Walmart store and charged it to my Walmart Mastercard. I watched my account throughout the day to know when it would be ready for pickup at the store. After waiting all day, I canceled the online order, after also calling walmart.com three times and calling the store where the toaster was supposed to be ready for pickup the same day. Walmart.com cs agents tried to tell me they could n't hear me and something was wrong with my phone. Nothing was wrong with my phone because I talked to others on my phone the same day and we had no problems.Walmart.com cs agents " XXXX '', " XXXX '', and " XXXX '' could not answer my questions or solve the problem of WHEN or if the toaster would be ready to pick up. The Walmart store I called transferred me and put me on hold XXXX or 5 times and nobody ever did pick up the phone in customer service so I could n't find out if the item was ready for SAME DAY pick up so I cancelled the order online in my Walmart account on XXXX XXXX, 2016 around XXXX. I also called my Walmart Master card account at XXXX on XXXX XXXX, 2016 and spoke to someone named " XXXX '' and told him the {$16.00} charge for the toaster I never picked up should be removed from my Mastercard. Today I checked my Walmart mastercard balance and transaction history and there is still a {$16.00} charge on it -- apparently for the toaster -- which I never picked up because it was n't available for same day pick up as promised by Walmart. I called my walmart credit card again today and got the runaround by the cs agent. I then asked to speak to a supervisor and was placed on hold. She came back after awhile, asked, " Are you still there? '' " yes I am, '' said I. She said it will be XXXX or XXXX more minutes. I waited, then hung up because my only phone is a prepaid cell phone with 250 minutes per month, and I 'm wasting those precious minutes and my time on these kind of phone calls. Walmart mastercard knows this as I have told them, so apparently putting me on lengthy holds assures them I will have to give up and hang up.

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 2017-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2017, XXXX XXXX visited ToysRUs at XXXX Mass ( XXXX XXXX XXXX, XXXX, MA XXXX ), the clerk at the checkout counter coerced her into applying the XXXX credit card regardless of her unwillingness. She is a ID Theft victim and her credit files are frozen since last year. The clerk and manager pressured her to apply, stating ( incorrectly ) that it was an internal credit review without involving credit bureaus. 

As a result of this application ( which was immediately declined due to credit freeze ), Her husband had XXXX fraudulent applications with AE Outfitters and TJ Maxx with the same Synchrony Bank ( on XX/XX/2017 ). Both of us ( XXXX/XXXX ) were fraud and ID Theft Victims and ToysRUs disregarded our situation and still forced XXXX to apply that resulted in additional fraudulent offenses with Synchrony Bank. Even though no negative financial impacts occurred due to the credit freeze of XXXX/XXXX. This is the most frustrating and XXXX experiences for both of us. 

We demand an apology from ToysRUs as well as financial compensation for our emotional loss and 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 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from XXXX which was summarily ignored. 45 days after my initial request I, again, requested debt validation from XXXX. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( XXXX XXXX to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note XXXX 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.

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 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. 

They said they sold the account and have not records to proved the amount or details of accounting of this debt. 

If they do not have any documentation contract, billing etc then they are in violation

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 2016-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX I visited a dentist to have a XXXX. The dentist had a plan for me to redue my complete mouth cost XXXX. they said I could get a care credit card for part of the cost. The next day XXXX XXXX I went to have my XXXX they scared me said my teeth were XXXX and I could have a XXXX XXXX. I agreed to the XXXX and signed what I thought was a electronic signature machine for the dental insurance. They again pushed for care credit I said NO I said call my wife and she said No.She said just XXXX and at a later time when I felt better maybe I might do more. When I got home she looked at the paper then was a sales draft for care credit dated XXXX XXXX. On XXXX XXXX, my wife called and canceled the card. The next day my wife verified the card was canceled and they had not paid any money. I filed a fraud form with care credit and sent a letter of explaination. XXXX XXXX I received a letter saying they paid the dentist {$3000.00}. The card was canceled but the dentist got it re instated, how?????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
The BarclaycardUS.com Upromise by XXXX card has, XXXX, a deceptive practice regarding payment due dates. ( Many other cards have this too. ) In addition to a date, they also have a time by which payment must be submitted online, else the payment is considered late, and a late fee is incurred. In this case the time is XXXX XXXX. Nowhere on the face of the statement is the time listed. It is buried in fine print on page XXXX with the phrase " Payments made on our website by XXXX XXXX ET will be credited to your account that same day. '' Customer service tells me it has always been written there in the fine print, and I believe them. My point is, how many people actually read the gray fine print on the back of the statements. Should n't, for the sake of clarity, it be required for credit card companies to print any time restrictions on the front of statements, next to the due date that they take the time to print in bold?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The account has been brought up to date and is still reported late, and the wrong amount do I submitted doc 's to show the account is current, report is not report correctly, the company do n't appear to care about the harm this is causing 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 monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
After numerous requests and disputes to the XXXX major credit reporting bureaus, Synchrony Bank/Care Credit refuses to provide me with an application bearing my signature requesting an extension of credit from them. Synchrony Bank/Care Credit can not and will not verify that I myself opened and used this account. I request that if my person can not be verified and validated, the charge card account and its reporting status has to be removed from all XXXX major credit reporting agencies : XXXX, XXXX, and 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