vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain most people do not monitor this closely as it is generally a small amount of money, but I am also sure people get this card for this benefit which they are n't actually receiving ( if others are similarly mistreated ).

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 2015-08-31 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclaycard has for the XXXX time offered by husband an increase in his credit line, while not offering one to me. We opened the accounts around the same time, carry similar balances, pay roughly the same monthly amounts, on the same day from the same bank account. We live at the same address, have mostly joint accounts, and have credit scores within about XXXX points of each other. Oh yes, and my husband earns $ XXXX per year, while I earn $ XXXX. The only marked difference between our accounts is that his is held my a man and mine a woman. I forgave the first instance of this in 2012 because they called it an oversight and promptly increased my limit above his. When I contacted them this time ( 1-called customer service, 2-sent email, 3-spoke to manager ) I was told I was " denied '' my request for an increase and lectured on my poor payment history. When I explained everything I stated above I was told that they do not take gender into account and it must be something else I have done. I am very disappointed and believe this company 's credit line policies should be reviewed at a national level to look for signs of gender bias.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I linked my XXXX XXXX XXXX checking account to PayPal and then used PayPal as an intermediary to pay a friend. I was given the impression that PayPal would deduct the amount I wired my friend from my checking account, similar to how Venmo payments occur. However, this never occurred. Instead, by linking my XXXX account to PayPal, PayPal slyly opened a credit card account unbeknownst to me and used the " funds '' on this credit card account to pay my friend. This credit card account is now in collections and I have been referred to a debit collector for an account I was never aware I opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.

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 2015-11-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Back in XXXX, 2015, I ordered a pkg of XXXX XXXX T-shirts. Amazon.com had a promotion going that if you applied for their store card, you would be given a {$30.00} discount. I may have applied for that card just to get the {$30.00} discount. The total for the t-shirts was {$29.00}, so when the items arrived, the invoice said balance due {$.00} ( XXXX ). Today, XX/XX/2015 I received the one and only statement from Synchrony Bank ( which handles the Amazon store cards ). The statement showed I had a previous balance on the " credit '' account of {$29.00}, and was billing me {$26.00} for a {$25.00} late fee and {$1.00} minimum interest fee, bringing my total to {$55.00} At first I did n't recall purchasing anything from Amazon, and then the csr on phone told me it was for pkg of XXXX XXXX t-shirts. I told her I recalled ordering them, and she offered to remove the late fee and interest charge and just bill me {$29.00}, but she wanted more info in order to close the account. I was n't comfortable giving her more information, considering that if I had truly opened an account with them, they should have all the pertinent info. She then put me on hold, and came back and informed me that they were opening a fraud investigation, and I should write down the ref # XXXX. It was after she hung up that I recalled the {$30.00} discount just for trying their Amazon Store card ( Which I would never normally do, since their interest rate is ridiculous, and I do n't really like Amazon ). I have found in previous dealings with them, that their business ethics leave a lot to be desired. Thinking about it, I believe this is yet another example of their less than honest business ethics, and a bait and switch tactic in order to get people to sign up for their HIGH INTEREST credit card. Had I been sent a statement in a timely manner, There would have been no late fee billed and I would have disputed the {$29.00} which should have been offset by the {$30.00} discount come-on. Worse comes to worse, I am willing to pay the {$29.00}, and chalk up the switch and bait {$30.00} offer, to just another one of Amazon 's dishonest business practices. Thanks for whatever help you can be. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: Perfection Collection
State: LA

Complaint narrative:
I paid a collection account, in XXXX of 2015, with XXXX that originated from XXXX Home Security. This debt was paid as a result of a settlement agreement between myself and XXXX. However, the problem today is that this same account, which has been paid, is now reporting on my credit report with Perfection Collection ( PC ). I contacted this company and spoke with a XXXX and explained to him that I had already paid this debt with XXXX. I was rudely told by XXXX they received ( purchased ) this debt approximately six months ago, the debt would remain if I did n't pay the debt, XXXX was a fraud and they would make sure this debt continued to report on my credit reports until it was paid. I have provided documentation to this company from XXXX, which reflects the same account number that they have, as well as, the same original creditor and the debt being settled, but PC refuses to remove this debt, despite the fact doing so violates my rights under the Fair Debt Credit Reporting Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They call me every 15 to 30 minutes daily. It is causing 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 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
In XXXX 2014 I was the victim of credit card fraud XXXX. XXXX my cards were impacted by this fraud, which was reported to the XXXX Police with the assistance XXXX. XXXX of my credit card companies accepted the fraud complaint ( XXXX XXXX ) and the other denied the fraud claim, and is now essentially engaged in loan-sharking, since it paid the merchant guilty of fraud, and is now coming after me for the fraudulent bill. This company is Barclays, which issues the XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a card account by Synchrony at the Lowe 's store. It took a long time to get my card and apparently it was sent somewhere else before they sent a new one to me. At that point the person who recieved my card originally stole my identity and has started creating multiple credit cards with the synchrony company in my name. I have submitted a fraud alert on my name twice since then! I would like any applications to the this rediculous card company to be blocked because I will never personally apply for a card through them, and any other applications are fraudulent! Please stop letting people steal my name and credit, because you are too money hungry and ruin people 's lives by not doing the proper background checks to actually verify a person 's identity.

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 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I am, disputing my Barckylcard rewards mastercard that I opened back in 2013. There it shows a balance transfer in 2013 back in XXXX that was made to all of the credit cards that I had under my name. The charges went to XXXX, XXXX XXXX XXXX and also XXXX. I called to dispute this charge sense I did not only have the card yet when I just applied for it, but also I was uneployed at the time and was not going to be getting a credit card to pay other credit cards. I am waiting for this issue to be fiexad and also the balance tranfer fee to be taken off of my account after XXXX years. I reported all of this as fraud and it keeps coming back that it is all valid. Yes, the accounths that was paid was my other credit cards but yet again, was not even done or the card was not in my hands or I did not recieve it at that time of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.

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 2016-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.

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 2016-01-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Around XXXX XXXX, 2016 - Barclays Card shut down XXXX of my credit card accounts. I believe the closure of these accounts were done in a deceptive way to entice me to spend money on annual fee 's, accrue miles/points in these accounts, and then to close my account with no notice ( verbal nor written ) and refuse to refund me for any of the annual fee 's, miles, or points I paid or accrued with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law.

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