vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! 
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID 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 2015-08-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
marked as improved account then days later marked as chargeoff account when account has been settled and paid since XXXX 2016 which keeps causing my credit score to drop. There is only an issue with 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 2016-11-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I returned a vehicle to mercedes end of lease and received an absurd ridiculous bill. There was an end cap missing on the bumper a {$20.00} to {$50.00} part at any mercedes dealer and they sent me an invoice for {$4800.00} with additional misc charges as well I called them but havent heard back

Company response to consumer: Closed
Consumer complaint received 2016-06-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.

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 2015-11-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We took out a loan, that was advertised as no interest loan from GE Capital, now XXXX Bank. We set up the loan to be paid within the time frame they provided for no interest. In the middle of our loan term, my wife noticed that they had automatically adjusted the amount we were paying, lowering it. My wife changed the monthly payment amount back to our original monthly payment amount. In XXXX we had {$180.00} remaining balance. The next month we were hit with a {$2100.00} interest charge, because our promotional period had ended. We never missed a payment, and the only reason the 3 year promotional period ended was because they changed our payment amount, and it took us 2 months to notice, and change our payment amount back to our original amount. I believe that this company purposely, and deceptively changed our payment amount in order to ensure that the promotional period would end prior to us paying off the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.

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 2016-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a Synchrony Bank/CareCredit account on XXXX XXXX, XXXX. The beginning balance on the account was {$5300.00}. I paid 11 payments on this account totaling {$2100.00}. Synchrony Bank/ Care Credit is not crediting my payments on my account correctly. My balance should be {$3100.00}. They have my balance at {$4500.00}, which is incorrect and not true. Synchrony Bank/CareCredit added this incorrect balance and negative items to my credit report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 'm disputing this and I want this removed from my credit report. I have been charged a {$35.00} fee, even if I was XXXX day, which I have paid. The minimum payment on this account was {$140.00} and was due on the XXXX of each month. My payments were on XXXX/XXXX/XXXX ( for {$200.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$170.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$330.00} XXXX, XXXX/XXXX/XXXX ( for {$180.00} ), and XXXX/XXXX/XXXX ( for {$370.00} ). Total payments made is XXXX. Synchrony Bank/Care Credit has been overcharging me and levying hidden charges through deceptive business practices. This is unacceptable and I 'm filing this complaint to report consumer fraud and deceptive business practices. I have proof of all my payments made on this account. My account number for this account is XXXX XXXX XXXX XXXX and it was opened on XX/XX/XXXX. Thank you for your time and any help would be greatly appreciated.

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 2015-07-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Paypal issued Mastercard. I use this card for a couple of transactions a month. In the month of XXXX 2015 I received a {$96.00} refund resulting in a net positive balance i.e. Paypal owed me money. In light of this, there was no payment due by XXXX XXXX 2015. I even checked to make sure there were no transactions. However, in the XX/XX/XXXX statement the company charged me a $ XXXX late fee and interest charges of {$1.00} ( total charges of {$26.00} ). This was shocking and when I called Paypal the service rep kept repeating that I was getting confused. She refused to explain why I was required to pay the fees and have the charges reversed in the next month ( XX/XX/XXXX ) statement. This is the second time that Paypal has resorted to this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This is from Cheveron Visa. I do n't owe them anything.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my 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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
1. Date of last payment is being reported incorrectly on credit account for Synchrony Bank/JC Penney on the XXXX credit report ( report XXXX, date XXXX XXXX, XXXX ) and XXXX credit report. The date of last payment is reporting as XXXX XXXX ; however, last payment was on or around XX/XX/XXXX or XX/XX/XXXX. 

On XXXX XXXX, XXXX, I attempted to reach Synchrony Bank/JC Penney at ( XXXX ) XXXX XXXX, the number listed on the credit report, and spoke with XXXX, id XXXX, who advised that I needed to speak with a " specialist '' at XXXX XXXX XXXX. Upon calling that number, I was placed on a lengthy hold and then disconnected. 

I called a second time to speak with an agent/ '' specialist '', XXXX XXXX XXXX She said the company maintained absolutely no records regarding this account, that it had been sold to Encore XXXX, and that the account and records had been transferred to XXXX ; however, it is not XXXX that is reporting this item. XXXX admitted that, in fact, Synchrony was reporting this item despite having no records to support the reported item. 

I believe that is wrong and unfair. I asked for the item to be deleted, and was advised she had no option over the phone to process that request. While offered the opportunity to write a letter, I do not think it 's fair that I, the consumer, would have to go through all of that burden, when they are the ones reporting items incorrectly and with no documentation to support this. I would like the CFPB to review this problematic practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BRCLYSBANKDE Shows as a hard inquiry I have not authorized any credit checks with this or any institution. Please investigate and remove this inquiry that is negatively impacting my score. 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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I recived a letter from XXXX XXXX XXXX ( Office of the President ) XXXX XXXX, 2016 about an unathorized rebill on my account. In the letter, she refused to help me. She claimed that I could call to have questions answered. I have called repeatedly and have not been assisted. I have tried to leave messages. I have sent her a letter asking for a call. This is a fraudulent rebill.

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 2015-11-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am not a member of the armed forces, but I am a XXXX. I am complaining about the closures of my credit card accounts with Barclaycard Bank Delaware. I have XXXX accounts with this bank : 1 ) XXXX XXXX XXXX and 2 ) Barclaycard XXXX XXXX. I realized they closed my account on XXXX XXXX, 2016. According to California Civil Code 1747.85 " no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment. '' I never received such notice, and the Bank confirmed via telephone on XXXX XXXX that a letter was mailed on XXXX XXXX that " immediately closed '' the account. I received the letter in the mail on XXXX XXXX, 2016. I informed the manager that I was not given proper notice and demanded the account me reinstated immediately. They did not grant my demands, even after citing California code. I talked with a XXXX on the phone on XXXX XXXX and he said he could not reopen the account and said the next step is to contact the Office of the President for more information for reinstatement. CFPB complaints are automatically reviewed by the Office of the President, so I am taking this route to continue to 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 monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
For the past 6 months, I have been making extra payments on my car loan ( MBZ Financial ) in order to pay it off faster. However, instead of applying my extra payments to the principal, MBZ put the extra payments into a " Credit account '' and although they modified the payoff balance ( minus any credit account ) they continued to charge me interest on the previous payment schedule. Essentially, they charged me interest on an inflated principal. 

I decided to pay it all ( {$5000.00} ) off to avoid this from happening. I offered to pay by credit card and make payments to my cc company. MBZ Financial said I would be charged {$15.00} for every {$2900.00} I charged. I asked them to waive it and after initially " refusing '' then " negotiating on 1 waiver '' ... they finally agreed to waive both when I asked to speak with a manager. Then I was told, use of credit card has to be recorded as a cash advance, which obviously means my cc company would charge a fee on that end. This is a blatant act of ripping off a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX are fraudulently reporting on my credit reports claiming that I have a debt with old navy ( synchrony bank ) in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with XXXX, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

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 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a card Upromise XXXX account ending in XXXX and apparently from XXXX payment from my account I am being held responsible for this account. I am a victim of ID THeft and I would appreciate this card to be handled under that protocol.

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 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..

Company response to consumer: Closed with explanation