vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. 

Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. 
My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. 
I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. 

My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? 
The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for 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 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I 'm getting repeated calls from Synchrony Financial. I am only a month behind in payments and intend to make my account current this month. I am receiving up to XXXX calls every day including nights and weekends. I just want them to stop harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was a {$6.00} or so interest that moved over from the previous month after I paid my card off and honestly did not know there was a balance. I contacted you guys and paid my card off right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had made a payment to payoff my card online with PayPal Extras MasterCard. Later, I booked a hotel stay using the card XXXX XXXX. As we checked, we noticed one of our belongings were missing. We reported to front desk and they stated they would do an investigation but in the mean time they would refund our stay - in full. I thought my card was at a zero balance. XXXX day I received a late pay notice via XXXX. I was confused. I contacted the credit card company immediately. They stated the hotel charge was not reversed and I had a balance. I was reported 30+ late to the credit agencies for non-payment. I was not aware of any balance and have never been late ever. I have absolutely no late pays on my credit at all. PayPal said they would file a dispute to correct the issue and that I would need to speak with customer service to resolve payment issues. Call was dropped. I called today to resolve the issue and discuss the late payment and make whatever balance payment in full. They stated they could waive the late fee but would not send anything to the credit bureau as a correction. They stated they " could n't '', even if there was a mistake made. I was not happy with this resolution. They stated all I could do was dispute through XXXX or one of the other agencies. I filed a dispute today with XXXX and I am claiming that the 30+ day late on my credit is incorrect. I am asking that this get resolved as soon as possible. This is negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
I AM GETTING REPEATED PHONE CALLS TO MY JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Two months ago I instructed JC Penney to charge the remainder of my balance and cancel my card due to repeatedly poor service. Their representative confirmed both : my balance was resolved and my account was closed. Today I received notice that I have not been making payments on my account and that I owe {$300.00} plus interest and late fees. I disputed their claim and asked for paper records on this matter, they could not confirm that I would receive any paper records on this matter. I dispute that I owe the money, interest charges, and late fees. I also demand to see a paper trail from them. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX of 2015 I wrote to my card company about an ongoing problem which I had originally called about on four previous occassions. I had requested the no interest financing program, yet the company continued to assess finance charges. At the end of the fiancing period I wrote a check for the full amount, less interest and sent the check along with a letter to the president of the company. 

Since then I have not received a written response to my dispute letter and the company cashed my restictively endorsed check. Since then I have called three more times requesting a written response which I still am waiting for. 

I have stopped making payments on an existing program pending their response and resolution of my dispute. However, I have begun to receive collection calls and letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. 
finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My Barclays credit card payment was made on XXXX/XXXX/2016 in the evening. I began receiving collection calls from Barclays bank about a pass due balance because my payment was not made by XXXX. I ask Barclays to please make an exception and waive the late fee. The is not typical credit card payment policy. People tend to forget this little fact about this particular credit card. Barclay card refused to waive the late fee. My position is that the payment was made on the due date, a cutoff time of XXXX is just their way of extorting additional credit charges from account holders. Subsequently, Barclays continues to add late charges onto my card balance. This alleged pass due balance was created by Barclays. I will not accept, nor acknowledge the late engineered late charges generated by them. This card was aligned with XXXX, now American airlines. The half price airline voucher they issue annually as a perk is never usable or accepted by the airline for XXXX reason or another. I am asking CFPB to review Barclays Bank credit card collection practices and to have this bank remove the late charges they keep tacking onto my credit card balance. I have closed my account with them due to their terrible customer service. I am always left on hold for over 15 minutes when I ask for management staff or disconnected and ask to re-verify my Identify after I have already entered that information when I placed the call. I have been denied service when I refuse to do so. I feel they use these tactics to discourage their customer to dispute issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. Thank you.

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 2015-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Over 7 years ago I used GE Money bank to buy glasses from Lenscrafters. This company repeatedly knocked me out of direct withdrawal resulting in late payment charges. I have documentation that shows I repeatedly called and took care of the situation and how much I paid over time on the account. I called to pay off what I showed to be about XXXX. They told me I still owed over XXXX. I disputed the amount, asked to speak to supervisors and requested payment history. All was repeatedly refused. After sending to collections multiple times I have tried to settle for the amount of XXXX that I knew I owed. Repeatedly it has been refused. Collectors are constantly reselling the debt and I have stopped asking for evidence of debt because it is always the same answer, " It was not our debt, we just bought it and we do not have any of that information. '' Since there has been no action on this account for over 2 years should n't it be charged off by now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
They are stating I was billed and NEVER did I receive a bill from neither the collection agency or the actual doctor and this is affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There is more than XXXX company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including XXXX XXXX, Synchrony and XXXX XXXX. I tried to pay Synchrony bank directly by sending them a check to their XXXX XXXX as directed. On XXXX/XXXX/16, the check ( which was made out to Synchrony bank with my XXXX XXXX XXXX account number ) was cashed by XXXX. I called XXXX, and spoke to a representative XXXX who said that XXXX XXXX has no record of my account or my name. I also called Synchrony Bank who claims that they are soley in possession of my account but informed that the funds were not applied to my XXXX XXXX XXXX account and they had no record of the check that I had sent directly to their address. I then had to call my bank XXXX to dispute the check as I had not made it out to XXXX XXXX but it was cashed by this bank and was not applied to any of my accounts. Furthermore, Synchrony Bank refused to provide statements or receipt of payment for this account.

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