vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
First off I pay my belk and amazon payments on time, however the bank lendholder for the companys is Synchrony. After they decided to check my credit which is lower now because of more debt they decrease the credit limit and up the payments.. I did not ask for an increase in credit. I always paid them on time. Now they called constantly and even called every Sunday morning at XXXX. Now they have my account as late because I 'm not able to make the amount they have not set as the lowest payment. So I pay what I can until I can pay it off. This all happen in one month back in XXXX 2016.

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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was XXXX of Synchrony Bank 's victims in the recent class action lawsuit. In XXXX 2015, Synchrony credited my account with respect to the terms of the class action suit. I was left with a small outstanding balance. I called Synchrony to determine the exact payoff amount ( {$38.00} ), and paid it the same day, leaving me with a zero balance. 

On XXXX XXXX, 2015, Synchrony made an unauthorized debit from my bank account ( XXXX XXXX ) of {$11.00}. I called Synchrony yesterday to determine what had happened and to get them to return my money. They refused. 

Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in 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 non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am having a problem with Synchrony Bank. I saw that they are reporting an account with JCPenny on my credit reports. I have written to them multiple times asking them for evidence bearing my signature that shows I have or ever had a contractual obligation to Synchrony Bank or JCPenny. I have not received anything that I requested and it is still being listed on my credit report from all XXXX of the Credit Reporting Agencies.

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 2016-04-09 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: Conn's, Inc.
State: TX

Complaint narrative:
XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Received a credit report from apartments i was applying too. Showed XXXX delinquent accounts which XXXX of them was paid in full, then the other by the same bank, was never opened. I tried calling and all i get is a automated system. Then if i get a person its XXXX, and she transfers me back to automated system

Company response to consumer: Closed with monetary relief
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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active on my credit report

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 2017-01-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I would like to bring to someone 's attention a scam being perpetrated by Synchrony Financial. In my case the bank requires payment by the XXXX of the month. I receive my paycheck on the first of the month and pay my bills at that time. As a result, on several occasions, I paid my bill before receiving the hard copy of the bill from XXXX. This has caused my account to accrue late payments ( for early payment ). How can someone receive a late payment for paying early? 

As a result, I contacted the bank and was advised that the bank 's computer system does not have the capability to accept payments between the XXXX the XXXX and apply these payments to the current month. As a result, a late fee is applied. I was advised to make payment after the XXXX and before the XXXX ( due date ) to avoid late payment fees. This computer glitch causes honest consumers to receive late payments. When challenged, I did receive a refund for the XXXX fees below but was advised that only XXXX fees can be refunded per year and that any additional fees will not be refunded. They did not admit to any irregularity with the billing system. 
The question is ; How many other honest consumers are being penalized for early payments and do n't know it? Note : I also have XXXX XXXX account with Synchrony and the same issue occurred.

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 2016-06-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Around XXXX/XXXX/16 I recieved a Barclay card and immediately started making purchases on the card raising my balance to about {$1300.00}. Next thing I know my credit score dropped around XXXX points, when I went to see why I found that Barclay had reported to credit agencies that I had a balance of {$1300.00} but my payment was n't due for another 3 weeks. When I contact Barclay to find out why, I was told that every purchase made is reported. I immediately paid the card off in full about 3 weeks before the due date and to this day Barclay has not removed that balance from my credit report. Barclay reports charges but not payments. The Barclay XXXX Card XXXX ruining peoples 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 explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Have continuously asked agency to stop calling before XXXX est. and after XXXX est. They continuously call. Just received call at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Case Description : Brand New Customer and I 've had nothing but horrible customer service and still unable to use my card, ca n't seem to find anyone willing to help. 
I ordered a Wal-Mart Credit Card around XXXX, and after having to have the card re-mailed 2 times, I finally received it on XXXX. I ordered the card specifically to be able to get my children 's layaway out and for no other purpose. I received my card on XXXX, called in and activated my card prior to heading up to Wal-Mart to pay off the layaway. My card never went through and so I had to get out of line to call in and figure out why. After speaking to the representative I was informed that a fraud alert was placed on the account and that I needed to verify some information. I verified with the representative my Name, Address, Phone Number, Social Security Number etc ... They then proceeded to tell me that they were going to send a text message to my cell number, which they did the day I was approved for my card, and several other times prior to with no problem, but for some reason on this particular day, they were not able to verify me with " the same phone number I 've always used and previously been verified on '' in order to remove the fraud restriction and allow me to complete my transaction. Every time I call in, every single representative has been not only rude, but does n't answer questions that you ask, talk over and you can clearly tell that they do not care about Customer Service at all. It logically makes no sense, that a person can verify every single piece of information on their account but not be considered " verified '' b/c of a cell phone number!!!! Especially when I 've previously been verified on the very same cell phone number numerous times before. I also tried giving them XXXX other numbers and they were n't able to use any of them. This situation is beyond frustrating and b/c I have not been able to get a Customer Service Agent on the line willing to help, I had to take this route instead. All I want is for the restriction to be removed so that I can complete my transaction.

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
pay pal sent me an unsolicited credit card.

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 2016-09-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on 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
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am college student and been in college for 4 years. I will graduate from college in XXXX 2016. I have XXXX credit cards with synchrony bank. When I applied for the cards it was GE. I have been able to pay the cards up until last year. I tried several times to enroll in credit protection with synchrony bank and was denied. They did n't offer it to me when I applied and when they changed banks. I am currently unemployed due to illness. I have been unable to get any help from synchrony bank and they have sent me to collection. I really need help with this issue because this has hinder my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.

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 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.

Company response to consumer: Closed with monetary relief