vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.

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 2016-06-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
i am getting 14-20 calls daily on my cell phone, i have asked several times not to call during my work hours. the calls are sometime XXXX minutes apart.

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi there I had a account with synchrony bank ( paypal smart connect ), This account was sold to XXXX, Which was was then handed over to XXXX XXXX XXXX. I have settled the entire case with XXXX XXXX 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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.

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 2016-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
Cardinal financial has mislead our family so many times over the course of a few months while working with them to obtain our home loan. They have requested documents which are NOT required as this home is a VA loan and some documents simply do not even exist. We were approved based on accurate information we gave, then we are days from closing XXXX we are being told they now require documentation that was not initially required, nor is it a requirement of the VA funding process. Our family who is a military service family has already invested nearly {$1000.00} in this process. I want Cardinal financial to be held accountable for not only what they have done to our family, but also I would like for their offices to be investigated as we are not the only ones to have this happen. We have emails, and documentation including recordings ( allowed in AZ ) to further prove our claims. 

Thank you for your help in this matter XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The XXXX payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, XXXX called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I was sent a letter for a credit card debt that was {$7800.00} in which i 'm disputingthe amount they say I owe is false also if I do n't pay legal action will be taken XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a Walmart store credit card until several months ago, Synchrony Bank upgraded my account to a Walmart MasterCard and transferred over my balance. Out of habit, I paid my bill through my bank 's bill pay and paid to my old account. When I realized what I had done, I requested a refund and submitted payment to the correct account. I received my refund check and deposited it. Shortly after, I checked my Walmart account online and saw they had taken the payment from the old account, sent it to the new, and I now have incurred a balance on my closed account. I try repeatedly to pay it off but it still goes to my new account, leaving me with this balance and interest charges each month. I have phoned them, left online messages, and have gone through an account investigation with them with no resolution and am worried about my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Sam 's Club/Synchrony Bank is manipulating their statement dates and late fee dates to their benefit. For example : My statement dates for XXXX were XXXX ; however the next billing statement is n't till XXXX. This leaves a 7 day black hole. My minimum payment is XXXX. I pay XXXX every two weeks on auto pay. The latest payment fell after the late date but before the end of the statement date. XXXX. I was charged a late fee of XXXX. You would think that the payment would at least be applied to the next statement, but it fell within the 7 day black hole. Their late fee actually falls in the middle of their statement period which actually gives me only 24 days to pay. This is a scam, along with their other policy to move your credit limit down to a point where your interest charge makes you go over your new lowered available credit. AHHHHH!

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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of 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 non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a Rooms To Go Synchrony Bank credit card that I obtained around 5-6 years ago. I have made two big purchases and paid off the items per terms. I went in yesterday to make another large purchase. The sales-rep asked for my license to ensure I still had an account. I said oh, I am certain I do. I log in to the website to pay a different card all the time and I see my Rooms To Go Synchrony Bank credit card still. It says I have an available limit of XXXX. She said, oh, we still need to check because they close them out all the time but do n't notify you or update their system. I thought to myself ... no way! That would be ridiculous. Well, sure enough. That 's what happened. They closed out the card without notifying me. I called to see if what the rep said was correct and Synchrony Bank verified that the card had been closed last year in XXXX. I was not notified and she said this was their normal practice. If the card is not used for a period of time, they simply close it out without any warning. I was very upset because this can have an impact on my credit score. It was one of my long standing credit limits and I did nothing for it to be closed. No one asked me if they could close it, notified me that they were or had my authorization to do so. I asked the rep to re-open the card. She stated she could not but I could simply reapply. Well, re-qualifying is n't a problem but I do not like the fact they will have to re-pull my credit ( causing a new inquiry ) and it will appear as a new credit line ( effecting my credit score ). I am very unhappy with the way this was handled. I chose their location to make my purchase because I already have a card with them -- and this is how they repay me? Very dissatisfied. I want my old account re-opened so I can make this purchase. If they can not, I will have to spend XXXX elsewhere.

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 2015-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am currently XXXX, and a XXXX Veteran I have been taken advantage by my mortgage company Planet Lending and the realtors they are working with to force me into a short sale which has valued my home XXXX less than what it worth. On XX/XX/XXXX I received a threatening letter from the realtor ( see attached ) stating that my home would be foreclosed on that day if I did not go through with the short sale, furthermore the letter urged me to contact Planet Home Lending and they would not be mad at me. Operation Reach reviewed my documents and found out that Planet Home Lending was assigned the loan on XX/XX/XXXX, I received a denial letter for a loan modification dated XX/XX/XXXX. Planet Home lending filed a Declaration for a Notice of Default on XX/XX/XXXX, which is not 30 days for my appeal which is mandatory in the State of California. Planet Home Lending has violated the homeowners bill of rights and I believe that both the Realtor and Planet Home lending are working in concert to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % 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 monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these 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 2015-10-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.

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 2016-06-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.

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 2016-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
OCWEN is in the process of foreclosing on my home. OCWEN claims that I 'm thirty + payments behind, which is not so. If true, why wait so long to notify me? 
I submitted a " Complete '' Loan Modification Package XXXX, XXXX 2015. OCWEN waited until the end of XXXX 2015 to contact me stating the package was incomplete " UNTRUE ''. 
I 'm in the process of submitting yet another Loan Modification Package to OCWEN. 
When I pull up my account on the OCWEN web site it states Current Balance = {$0.00} Amount Past Due = {$0.00} Amount-Status = CURRENT. I have made copies of these statements. I do n't understand how OCWEN can get away with this malpractice? 
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back, until the Letter-Of-Demand, & Foreclosure Notice. 
Before OCWEN claimed amount due was {$160000.00}. As of yesterdays letter Ocwen states the amount due is {$270000.00}. How can this be?? 
Every time I turn around the amount they claim I owe is different. From last month to this month the amount has gone up well over {$10000.00}. How can this be?

Company response to consumer: Closed with explanation