vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: WA

Complaint narrative:
I have been making more than my monthly required payment of {$600.00} by a Automated Clearing House ( ACH ) transaction from my checking account on the XXXX of each month in advance of my payment due date on the XXXX of each month to Mercedes-Benz Financial Services. I make additional payments to pay off the loan early. I made one for {$3700.00} on XXXX XXXX, XXXX. It was credited to a " Over Paid '' category and not to principal and interest. Subsequently, my normal ACH payment of XXXX XXXX, XXXX for {$700.00} was received and credited to the " Over Paid '' category. Reviewing my online account " Transaction History '', I saw {$4400.00} sitting in this " Over Paid '' category. On XXXX XXXX, XXXX I called the Customer Service Center and they said there was a new software update which moves money into this category. I requested these transactions be moved to pay down principal since my next payment due was on XXXX XXXX, XXXX. They said they would do that. I reviewed my Transaction History online report and saw only {$3000.00} credited to principal and {$1400.00} still in the Over Paid category. I sent an email request to Customer Service to have that amount moved into principal. I have called and sent followup email requests to Customer Service and they said they would do it. It still had not been done as of XXXX XXXX, XXXX. I called again and was reassured it would be done. Reviewing my Transaction History report online, the {$1400.00} disappeared from the Over Paid category. I called on XXXX XXXX, XXXX XXXX, and several calls thereafter. No one can explain what has been done with my payments totaling {$1400.00}. On XXXX XXXX, XXXX, I was finally able to speak to a manager who sent me a Historical Account Summary of my loan history. It shows a - {$1400.00} reallocation to Payments Received on XXXX XXXX, XXXX, with corresponding reductions to principal and interest. There is no offsetting credit being applied to principal. So, what happened to the money? I have been trying to get this resolved and unable. Mercedes-Benz Financial Services ( MB Fin Serv ) reports do not align with the customer online Transaction History report. The provided Historical Account Summary does not align with information on reports verbally discussed with the Customer Service Manager or Representatives. MB Fin Serv online reports and monthly statements do not provide any meaningful information to the customer. Reassurance the {$1400.00} has been applied to my loan are invalid. The loan outstanding balance increased by {$1400.00} dollars on XXXX XXXX and has not reflected my payments being made. What happened to my payments can not be explained by MB Fin Serv. I can prove I made the payments to them, but they can not prove they applied them to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed

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 2016-02-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In preparation to moving to XXXX, I wanted to move IRA funds from my mutual fund company to an IRA CD at Synchrony Bank. It was only during my third phone inquiy, I was informed that Synchrony would freeze my account and even close the account if I switched my address to XXXX. No where on the company 's website was this disclosed nor was it revealed in my first few calls to the company where I was assured switching residency to XXXX would not be a problem. I learned only that it was not possible to maintain an account from outside the US when I asked how to go about naming my spouse, a XXXX XXXX, as my beneficiary. 

I felt the specialists were confused about the issue in general and, since I have opened up other IRAs at other banks with receiving the OK of having a XXXX mailing address, I felt Synchrony Bank own lack of disclosure of its policy not to maintain account relationships with non-residents potentially damaging to an IRA whose closing could create unpleasant tax consequences. Moreover, the US Patriot Act was disingenuously cited as the reason Synchrony could not continue an account relationship, when it seems it was Synchrony Bank 's own policy to terminate an account relationship in order to avoid the cost and effort to comply with law, rather than the law itself. I do n't mind if Synchrony Bank does not want to maintain an account with a non-resident of the US but the bank should disclose that accounts are in jeopardy if an account holder moves out of the country or at least train all its call center personnel to disclose that. 

I am a US citizen with a US social security number and wanted to move about {$88000.00} to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default. 
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time. 

2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX. 

3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well. 

4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems. 

5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 

6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 

7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 

8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 

9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 

10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 

11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a new Care Credit/Synchrony Bank credit card on XX/XX/2016. I applied on the phone, in the XXXX and was approved for {$11000.00} ( exact amount of XXXX work ). I was told I would be receiving the paperwork and bill in the mail. I received the paperwork and 1st bill in late XXXX which showed I was charged an interest charge of {$81.00}. I called their XXXX # and asked why I was charge interest on a bill I had not yet received. I had just opened the account and before I received any paperwork, they charge me interest. Plus, I looked at my credit score information and it showed this account to be over it 's limit - before I ever received a bill. I was told by the XXXX # that, 'it 's unfortunate that the {$81.00} was n't paid by the due date. ' And, 'Just because it 's on a credit site, we did n't indicate it as a negative comment on your 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 monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Assist Plus LLC
State: IN

Complaint narrative:
I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Complaint is against Synchrony Financial I believe strongly that Synchrony Financial is falsifying my XXXX Accounts with both XXXX XXXX & QVC regarding Late Fees and interest charges.It appears that Synchrony is also misleading both myself and CFPB when it comes to refunding the Late Fees & Interest Fees.This months Bill reflected XXXX Credits in the amount of {$70.00} for Late Fees than turned around and reapplied another Late fee XXXX the Minimum Payment along with the {$70.00} that was suppose 2 be credited Back so the way I see it Synchrony never went into their system 2 remove the Late Fees which now stand @ {$140.00} .Now for the past 2 months I have sent 2 Dispute Forms 2 Synchrony disputing their fraud and they are still doing the same Fraudulent act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX.  I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX.  I have never been late on my account so I asked what account are you talking about?  The representative stated the $XXXX would bring me up to date and that I was not late.  After breaking down the accounts I was told that the accounts were seperated.  I told them I had the paperwork and the balance from the XXXX account was carried over.  They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00.  I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me.  I went to the store and XXXX gave me a customer service number to call and told me not to listen to them.  I have received harassing phone calls, collection threats and feel as if I am being scammed.  I have spoken to supervisors and no one is will to work with me.  The store blames corporate and corporate blames the store.  CONN Appliance waits until you are almost done with your payments and changes things without your knowledge.  This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received a phone call from a " Third Party '' in regards to a legal package that someone was going to come to my work to give me, he would n't give much info advised me to call XXXX for more information and he would put on hold for one hour, serving me at my job and " embarrassing me at my place of employment '' I called number explained what this man told me that called from Unknown number. The woman XXXX XXXX confirmed and said thank you for calling and taking care of this. She advised I saved myself {$2500.00} in legal costs ect. I set up arrangement and paid over {$400.00} right then and there. Once I got off the phone something did n't feel right, I realized this was an old debt that was too old for them to collect on. Called right back and asked for documentation showing that the court order was canceled. Which XXXX notified me on the previous call to her that they would cancel the court order. She then said it was a pending legal action and it had not yet went to the courts. That is when I realized they lied to me and violated my rights. I spoke with her supervisor XXXX XXXX ( which by the way has very, very similar voice to the man from 3rd party which I have a voicemail on my phone from ) He said they will remove one of the payments due to the mis information, we discussed for a while, then said he would remove two payments and settle for what I had already paid {$430.00}. I explained how I felt and that my rights were violated. He said if I did not feel comfortable paying he would refund money. I called him the next day asking to be refunded because I was lied to. He argued with me saying he will refund but I am just trying to get out of paying the debt. I would have never gave a payment of {$430.00} if I was trying to get out of it. My rights have been violated and this company should not be able to call and lie to people who are already having a hard time paying bills. I am a mother of XXXX, and have many financial obligations. I am upset that they called and lied and preyed upon someone just for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.

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 2015-09-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had just relocated to another city to start a new position and wanted to purchase furniture with 0 %. Athough my credit is in the high XXXX 's and I have a long standing relationship with Synchrony Bank, they declined me for an XXXX XXXX XXXX account because of " insufficient credit history on file ''. This is crazy as I have a long history of credit both with them and other institutions. This created a hard inquiry on my account. When I called to inquire ( originally I feared some sort of fraud ) after being transferred at least XXXX times for over XXXX minutes, they chose to resubmit ... it was declined again and now I have a second unfavorable inquiry against my credit score. It is as if they intentionally submitted to harm my credit score because I was not happy. In addition, is n't it incompetence doing the same thing ( resubmitting ) again. It WILL have the same result without human intervention. So I asked to speak to supervisor as now I have XXXX hard inquiries and XXXX declines and when he got on the phone he hung up on me when I told him I could not hear him! In the end, Synchrony Bank is harming people 's credit due to potential incompetence and harmful/rude customer service. There should be regulations against practices that harm consumers.

Company response to consumer: Closed with explanation