vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. 

I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. 

I do n't want them to damage my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.

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 2015-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
This complaint has multiple parts : 1. Similar to CFPB Complaint IDXXXX, Synchrony Bank recently " upgraded '' my account from PayPal Smart Connect to a PayPal Extras Mastercard. My old account with a long history has been marked as closed on my credit report and a new one has been opened which has hurt my credit score. 

2. I made a purchase on XXXX ( XXXX/XXXX/2016 ) where promotional financing was offered if I used PayPal Credit to pay for my purchase. The promotion stated that I would receive 6 months no interest financing with an APR of 19.99 % after the promotional period ( it now displays as 12 months no interest financing ). The purchase was made using PayPal Checkout and my line of credit with PayPal was chosen as the payment method. Upon receiving my statement dated XXXX/XXXX/2016, the purchase did not specify that it was subject to promotional financing terms. After contacting customer service on XXXX XXXX, 2016, the representative confirmed that my purchase was not subject to promotional financing. 

3. Upon further inspection of the statement, I noticed that the Annual Percentage Rate listed on my statement is 27.24 % variable. After reviewing the terms and conditions for my account, I should be receiving an interest rate of 20.24 % APR or 24.24 % APR for standard purchases depending on my account type, which has not been disclosed to me. Furthermore, promotional purchases are listed as an option at the end of " SECTION XXXX : RATES, FEES AND PAYMENT INFORMATION '' in the account agreement for the PayPal Extras MasterCard.

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 2016-12-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.

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 2016-01-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was informed today by my credit card co., Barclaycard, that there may have been a breach of my info, and that I was being issued a new card as a result. I telephoned 3 different offices of that bank to determine where the breach occurred. No one was able to answer that question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.

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 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony Bank. I got a credit card for XXXX XXXX, for a mattress, and I got a card for rings at XXXX. Synchrony set the minimum payment for mattress at {$25.00} per month. I paid diligently on BOTH in excess of minimum and well before deadline. 
Still, Synchrony 's shell game is to tell various lies in order to build in permanently their BOGUS LATE FEES. They are intractable. 
I ca n't remedy their scam, and would end up paying thousands! I need fraud prevention help. I stopped paying until settled. 
Please intervene! Thanks!

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 2016-12-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
My account was used fraudulently, and after over XXXX calls to Barclay XXXX with my Police Report in hand, I was credited for the amounts of the fraudulent charges. I was not, however, credited for any interest or associated fees. I am still being charged interest on the fraudulent purchases. Unfortunately, k due to the complicated process of calculating APR on these amounts, I do not know how much money I am being charged.

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 2015-11-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CFPB Case XXXX ( XXXX XXXX XXXX ) CareCredit Acct Ending in XXXXWe continue to dispute the billing practices and strange late fees and other " sales '' that this company has continued to leave on our credit reports since 2006!! In investigating Synchrony Bank today I learned that they have over XXXX Complaints that have never been resolved! In my opinion, this bank will probably never reveal how much income they receive from these practices of strange " sales '' fees and late fees that actually were a product possibly designed to create income from those actions. BEWARE! I will continue to discuss this with senators and congressmen until those old, irregular data is removed from our good credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.

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 2016-12-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays is harassing me nonstop. They have hired XXXX XXXX XXXX to collect a credit card debt from me. I fell on financial hardship and am unable to get ahold of anyone to try to resolve this. They are using auto dialers but when I try to get through to them, I am always passed around. I will settle for less than owed if Barclays will work with me. The harassing me has got to stop and the attorney they hired XXXX is of no help. i will not be treated like i am less of a person or told that I should n't use credit if I ca n't afford it. That is unprofessional!

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Hi, I 'm submitting a complaint against Care Credit/Synchrony Bank due to being misinformed about billing payment options for my account. I talked with a chat representative whose name is XXXX XXXX on XXXX/XXXX/16 at XXXX Eastern time, Reference # XXXX. The inquiry was, if I can pay my bill with a credit card? His response was credit card payments are n't excepted but that I can ask my credit card company if they have a bill pay option ( which they do n't ) or I can use XXXX XXXX. The problem is the XXXX XXXX information he gave me is incorrect and/or is unrecognizable by XXXX. The XXXX representative ( XXXX ) whom I talked to by phone on XXXX/XXXX/16 at XXXX Eastern time, told me that there is n't a code city name and POS name that was given to me ( POS name : Synchrony Bank XXXX XXXX XXXX name : XXXX ) in their system. 
Synchrony Bank ( formerly GE Capital Retail Bank ) does n't give their customers any other options to pay their account except by the consumer 's bank account. This is an inconvenience to those who want more than one option to pay their bill, or may not have the money in their account on that date. Most businesses give you more than one option to pay your account bill. It seems like they want you to be late paying your bill so they can tack on the late fees and interest charges, which is ridiculously high, if you do n't pay on time and with only one option to pay. I 've changed my billing date before and I do n't feel like I have to keep doing that to make a timely payment, when other payment options should be available in order to make a timely payment. I would like to know why I was given the wrong information and why there is n't other options to make a payment on the account and/or payoff the account, besides using your personal banking account. I 'm already paying a late fee of {$27.00} from last month which was n't late, but was charged anyway, because the money was there in the account, in addition to the {$100.00} a month bill payment. I hope this issue can be resolved before my next due date which is XXXX/XXXX/16. I pretty sure I 'm not the only consumer whose had complaints about this company. 
Thanks.

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 2015-04-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had an US Airways card with Barclays and have not carried a balance in years. I missed the statement that had my annual fee and they subsequently charged me XXXX late fees and interest on an annual fee and compounded interest on the late fee, this violates Reg Z and CARD Act. They reported me 120 days late and have caused severe damage to my credit report. Again, no purchase was made it was all money compounded on a {$75.00} annual fee that came out to {$250.00}. I have paid this because at the time I did not understand my rights, I want a refund and all late notices removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: GA

Complaint narrative:
I filed a complaint with the CFPB on the original creditor after ( case # XXXX, I also submitted paperwork from my insurance company that clearly showed that I didn ; t owe this bill and now they have turned it over to a collection agency,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of this year my wallet was stolen and soon learned that there was unauthorized charges to my credit card. I disputed the charges and they took care of the unauthorized charges and credited my account back and even got a new credit card in the mail. Prior to this incident, though I rarely used the account, I did always pay on time when there was a balance. I received a letter from the creditor in XXXX, following this dispute indicating that they had closed my account after reviewing my credit file without warning me. 
When I opened this credit card I had good credit standing and feel that I should have been warned about their decision. In the letter they sent me there are a number of reasons but feel that I needed a fair warning before they decided to close the account. I have been working on re-establishing my credit and this decision that they took will affect this process tremendously.

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 2015-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.

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 2016-09-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.

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