vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I discovered fraud charges on my case and found that BP let this charges come in and did not notify me of this fraud use of my card. I also found that there are fees that are charged to my account for this fraud charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX 's client, XXXX XXXX XXXX is an identity theft victim. Several credit accounts were established and attempted using his information without his consent. Once of these accounts was attempted with Barclay 's Bank Delaware. The attempt left an inquiry on his credit report that is related to the fraudulent activity. A dispute was sent by this office on behalf of our client to Barclay 's Bank twice in an effort to remove the inquiry as fraud related as outlined in the FCRA. Both times Barclays Bank has denied removal of the data stating the factor in keeping the inquiry listed is an email address that is not even correct for the client. I have explained to Barclay 's bank that per the FCRA a police report was provided indicting this attempt was fraud related however Barclay 's Bank is continuing to violate the FCRA.

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 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX payments that were made towards my Mercedes lease were applied to mileage overages on a previous lease instead of the current lease. I have contacted Mercedes Financial Services on several occasions and have been unable to get the problem corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have received a bill now a collection notice, robo phone calls 7 days a week all day, all night, Holidays from Synchrony that I owe for something that I never ever received a copy of or anything from them except a bill and phone calls. They call my business, hang up when they get my message, it is sad. They are saying that I owe them for an air conditioner, one that is brand new made by XXXX, and installed partially by XXXX XXXX of XXXX XXXX. The air conditioner is broke, it broke 2 times and the second time it just ran air in side. It is not installed properly and it has no air filter. NO AIR FILTER. That a brand new unit breaks two times, I contacted XXXX, They just passed me on to another person another person and so on for 3 and a half months. When the air conditioner they partially installed broke for the XXXX time and was just blowing air HOT AIR. I turned it off. I am still baffled to why Synchrony is calling me and now saying they are turning this over to a collection agency. I never signed anything nor was I given any notice by XXXX that I owe this company anything. AND the air conditioner is off It is Florida and it is HOT and I HAVE NO AIR and XXXX XXXX know it. Who is this robo caller? Never heard from XXXX to install filter, fix the air conditioner, they even left the outside panel off, laying on the cement, and I found it and taped it because it RAINED the next day. So nasty they do n't even call me to fix anything. XXXX is sad, not sure why they think this collection is due that they fabricated ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I checked my credit report on XXXX/XXXX/2016 to learn that Synchrony Bank closed my XXXX XXXX XXXX Credit Card for non activity and carrying a {$0.00} balance on XXXX/XXXX/2016. I called Synchrony Bank on XXXX/XXXX/2016 to re-open the account and they refused and told me to re-apply and that it can not be re-opened if closed for non activity. All my other creditors allow me to re-open accounts without a problem. Im not re-applying for another account just to have a hard credit inquiry on my credit report. These creditors get you coming and going.

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 2016-09-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.

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 2016-10-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.

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 2015-07-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
bank closed my account and is reporting inaccurate information on my credit profile with bureaus.

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 2015-07-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a private label credit card in store ( XXXX-XXXX XXXX, CA ) funded through Synchrony Financial ( formerly GE ). I received a promotional APR of 0 % for 6 months. The transaction was made on XXXX XXXX in order to take advantage of the XXXX XXXX special offers. Eleven Days later, on XXXX XXXX, I received my card in the mail ... along with a bill. I immediately called Synchrony Financial to find out where the mistake had been made. Here in lies the Regulation Z violation. My payment is scheduled for XXXX XXXX which allows me ONLY 14 days to look over the bill as opposed to the mandatory 21 days allotted in the verbiage of Regulation Z : ( ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 226.7 ( b ) ( 11 ) ( i ) ( A ) ). I have contacted Synchrony Financial and spoken to their legal department. They were unapologetic and would not work with me to remedy their blatant error. Which financial institution would set a payment due date for a new customer a mere 23 days after the initial opening of the account? Logically speaking this is a terrible business practice and Synchrony Financial needs to overhaul their business rules. Please help me hold Synchrony Financial accountable to the laws and regulations surrounding the legal collection of consumer debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I usually take advantage of 0 % offers provided to me by multiple cards I own/have. Briefly, these offers provide 0 % interest for a fixed period ( 1 to 3 years ) for a small transaction fee ( 1 % to 3 % ), at which time the banks usually allow me to roll over the balances forward, if desired, for another small fee, by providing balance transfer offers/access checks etc. As a result, at certain times, I carry more than one 0 % promotional balance on the same card. I usually make payments in excess of the minimum, which are applied toward the balances expiring first, as banks understand that I paid a nominal fee to roll the balances forward. Payments are supposed to be applied to the balances with the highest APR ; and balances expiring first, even though at 0 % presently, would have the highest APR over the same period going forward, so payments are applied to balances expiring first, as per the credit card act. 
I have a 0 % promotional balance ( with a 3 % transaction fee ), as explained above, that was initiated a long time ago, that is expiring this year ( XXXX ) on the " XXXX '' issued by " Barclays Bank Plc ''. This card has a XXXX $ credit line, out of which XXXX $ ( about two-thirds ) is still outstanding, and the rest was paid over this period. This card recently sent me access checks and emails allowing me to transfer balances into my checking account by offering a 0 % promotion till XXXX for a 1 % transaction fee. I accepted the offer by transferring XXXX $ for a XXXX $ fee, and immediately made a big payment back to the bank ( approx {$2200.00} ) in order to pay off the promotional balance expiring this year, so as to avoid interest. My payment should have been applied to the balance expiring first, i.e. to the {$4600.00} outstanding expiring in XXXX. Instead, the bank is saying it has the authority to decide how payments will be applied, as all balances are at the 0 % rate, even though I paid a fee to the bank for essentially rolling the balance forward. 
I have made similar transactions with other big banks such as XXXX and XXXX XXXX, but Barclays is trying to cheat me by trying to charge me frivolous transaction fees to transfer balances, and still not applying the payment to the expiring balance after payment was made to them. Also, Barclays Bank is taking advantage of consumers like me, by giving me a 0 % promotional rate, albeit for a fee, and not applying payments correctly, in order to extort interest out of me at an exorbitant rate ( over 20 % ), even though I paid the transaction fees and made payments in excess of the minimum.

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 2015-09-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX/XXXX/2017 I was erroneously billed {$4000.00} for granite countertops. On the same day I was billed the correct amount for the countertops we had installed {$3400.00}. I filed a dispute with Synchony bank, but it was closed without me or the store ( LOWE 'S XXXX NC - Store # XXXX ). They sent me a letter stating that they trust the dispute had been resolved to my satisfaction. Nothing was done to resolve the matter. The charge still remains active on my account. I tried to contact them again today, but they could only offer to re-file my dispute. At that time I asked them how I could escalate the matter, and they did n't provide me with an acceptable response. I then asked them what government agency I could escalate the matter to. I was told the only way to submit a complaint was to them, which I know is wrong. I then found you guys through XXXX. I 'm hoping you can help, because at this point. I do n't think they are going to remove the erroneous 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 monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.

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 2015-11-16 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a Care Credit card account in XXXX 2015 with an online application to match with my pet insurance. We visited the vet and had a {$110.00} bill, which I was told my insurance would cover a portion, and that Care Credit would handle the rest. I never received a single bill, statement, my card, phone call or anything from Care Credit during the following months. In XXXX 2015, I received a notice from a collection agency stating that they had " bought my account '' and were attempting to collect around {$500.00}. 
Apparently, when they opened my credit file, the charged about {$100.00} to the account from the vet visit/bill, and every month thereafter would add an additional {$85.00} ( approx ) to my bill for late fees, then at the 5-6 month mark sold it off to a collection company. 
I tried to call them and resolve the issues, but the management and supervisors at the place tell me there 's nothing they can do, because it 's already been sold. They also claim they sent out bills to me each month, but there 's no way to verify that they did or did n't. 
This entire thing stinks XXXX. How can a small bill for {$100.00} jump to just under {$500.00} in less than 4 or 5 months, then in turn sell it off as if it were a legitimate debt? Since my insurance did n't pay for any of the vet bill, I offered to pay them the original amount of what I owed them in XXXX, but they refused. 
I 'm not sure what I can do - but I absolutely do not think I 've done anything wrong here and I refuse to deal with a collection agency that has no legitimate claim to my bill, the total they 're saying I now owe, and if I do deal with them it will continue to show as a charge off on my credit. And, that I admitted to doing something wrong and that I paid off the collection account. 
SYNCB/CARE CREDITC/O XXXX XXXX XXXX, FL XXXX # : XXXX

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

Complaint narrative:
In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best 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