vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating. 
Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business. 
In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016. 
If you have any questions please do not hesitate to contact 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 explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I had signed up with PayPal Smart Connect which was supposed to help keep my bank account safe when making purchases online but was to automatically deduct the amount from my account and " filter '' it through PayPal so the vendor could gain access to my bank. Somewhere along the line the Smart Connect merged with the credit, which I was unaware of. I made a {$70.00} purchase, which I had assumed came out of my account already. It was n't until the first payment was late that I received an email notifying me. So I made the first minimum payment late but they threw on a {$25.00} late fee. The second payment was apparently late as well and the fee went up to {$35.00} and just keeps hiking up. So now, where my original purchase was only {$70.00}, I now owe them {$120.00} and the minimum payment has jumped up from {$25.00} to {$90.00} after just 2 months. They are calling 4 or and 5 times a day and at XXXX on Sunday mornings.

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 2016-11-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing my 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
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is applying portions of my payments in excess of minimum payment due to my lower interest rate balance instead of the balance subject to the highest interest rate.

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 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010

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 2016-11-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. 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 monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had fraudulent charges on my XXXX. I contacted the company about the charges, they removed them and issued me a new card with a different number. About a month later I had fraudulent charges again. I contacted the company again. They removed the charges again, and they offered to issue me a new card with a new number. I told them that I wanted to close the account, since I had had fraudulent charges twice and did not feel the card was safe. They told me that the account would be closed. That was in XX/XX/XXXX. In XX/XX/XXXX, I received notification that there were new charges on the closed account. It turned out to be a recurring payment that had forgotten to stop. I payed the bill, since the charge was authorized, but called the company and asked them once again to close the account and not to let any more charges go through. It is now XX/XX/XXXX. I received a phone call from XXXX today saying that I owed money for charges on my account. I told them that I paid off and closed the card in XX/XX/XXXX, paid off and closed the card again in XX/XX/XXXX and would not be paying them again. They said that they would credit my account for the amount, and that I would not owe them any money. That is fine, but I still need them to close the account. They said that they would, but I do not believe them. I am concerned that my credit score will be negatively impacted if XXXX continues to neglect to close the 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
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I contacted Synchrony Bank and spoke with XXXX and asked for a credit limit increase for my furniture card. The representative never told me that he would be pulling my credit report ; and when I asked the representative if this would result in a hard pull and he informed that it would not ; yet, I received a credit inquiry on my XXXX account. I contacted the company and they informed that they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. Had I received the correct information ; I would have NEVER had agreed to this. I have other synchrony accounts that they do not do hard pulls. So, when he confirmed that it would not ; I was okay with the result.

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 2016-04-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.

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 2015-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
They will call from XXXX number i will ignore so 15-30 minutes later they will call again. Conn 's will call me no less than 5 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
i am having problems whit my walmart credit card i always paid on time by the time they send me the statement of my bill i already have paid them.i am retired i get pay the begging of the mount and i pay them because they sent my statement always late.now the sent me the statement 3 weeks later XXXX inform me that i have a pastdue over my account which is not truth now they dont email me they call at my house all day long .they are harrasment until XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a veteran and have sought out VA Home loan financing. I was advised because GE capital retail bank is reporting a Walmart charge off collection account in my name and so is SYNCB/Walmart reporting the same account as a duplicate that my credit score has dropped significantly so the funding has been suspended till this error gets corrected. I called Syncb bank # XXXX manager XXXX XXXX. I was told that GE and Syncb is the same company they just changed there names to Syncb. I was advised that they would be submitting a e-oscar to delete the GE capital collection trade. Today XXXX/XXXX/2016 when I called to follow up I was told they were n't doing anything and that the duplicate reporting will stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Billed for $ XXXX but upon request received verification for only {$82.00}.

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I owed the XXXX ( XXXX XXXX, XXXX, MA ) a balance from what the insurance did not cover. I wanted to set up a payment plan with them I was told they could not do that, but they could set me up with credit from a bank for the balance. I was told the interest rate would be no higher than 14 %. {$1000.00} was put on the card when I got the bill the interest rate was 26.99 %. I called the provider Synchrony Financial to see if I could get the Interest rate lowered and was told no. I never would have agreed to this if I knew what the true interest rate was going to be. I feel I was deceived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The credit card company in question starting from XXXX/XXXX/2015 to today have made SEVERAL calls per day without leaving a voicemail and the few times I have answered the phone, the caller has hung up. Thus violating the Fair Debt Collection Practices Act section 806 by " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''

Company response to consumer: Closed with non-monetary relief