vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a Synchrony Bank Credit Card in XXXX, and signed up to pay online from my checking account at another bank. I do this with all of my credit cards, and have been doing it for at least five years -- without any problem. 
I thought I made an online payment on XXXX XXXX ( due date was XXXX XXXX ), and received an acknowledgement email, which I did n't look at too closely. When I got an email today that said I had not paid yet, I looked at the acknowledgement email, and saw that it had *scheduled my payment for the due date. * I would never do this purposely, and when I went online to see the scheduled transaction, I saw that it defaults automatically to the due date, not the date posted ( or the next day ). To make sure that this was not something I had done, I cancelled the payment and then clicked the " Make a Payment '' again. The page I am attaching is a picture of the Payment Page on the webpage that shows the default payment date ( the due date ) and the note the bank includes about what happens when payments are made on the due date. 
I believe that this is a deceptive practice, and that the bank should not be allowed to keep this practice. Many thanks for allowing me to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello, I am so upset about this, and I do n't know how to fix it. A company called Synchrony Bank took over many of my credit card accounts, and has gone though and XXXX by XXXX lowered my credit limits to the exact dollar amount I owe on each acct, making it appear as though I 've maxed my account and completely ruining my credit score. This is VERY unfair. They should have to make a note on the credit file that they lowered the limit, so that creditors do n't see me as maxing out accounts. There should also be a way that this does not affect your credit score the same way. How can this be allowed? VERY very unfair. I understand they have the right to lower the limits, but to have it look as though I maxed out these accounts has a huge effect on my credit score. Is there anything I can do about this? I really need some help here. TY - 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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from 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 monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I signed up for an Amazon Prime store card ( for amazon.com ). This card is issued by Synchrony Bank. When signing up, I was told as part of the marketing that I can manage my account and pay online. 

When I went to sign up, I ran into multiple issues. First, I was unable to sign up because the online software would not display my phone number as they require multi-factor authentication. After that was resolved over the phone ( They said the issue was that they had my home number and my cell number as the same number ), I tried to continue. I reached the part of the sign-up process where I am to create the account name and password. Despite following the password rules, ( Uppercase, lower case characters and at least XXXX numbers, special characters allowed ), several potential passwords were rejected. Upon raising this issue with the company, they informed me that they only supported XXXX antiquated versions of XXXX XXXX XXXX and XXXX XXXX or XXXX. I do n't have a way to easily downgrade XXXX, and I tried installing XXXX and I experienced even worse issues. 

I find it dishonest and misleading that the bank would advertise online account management and make me jump though hoops to use it. There is no technical reason why this should n't work fine - the browsers and standards that they refuse to support properly are not new and they have had plenty of time to write software that is compatible with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently pulled my XXXX and XXXX ctedit report and to amazement, I still see this company name Synchrony Bank/ Walmart account displaying on my reports. I have been disputing this account with credit reporting agencies XXXX and XXXX, but it comes back " verified '' since 2014. I have also contacted the data furnisher as well. They tell me account has been sold, but does not verify/ validate ownership. Synchrony Bank is the company that is listed on my credit report with XXXX and XXXX. No legal proof has been provided to justify the company name being on my credit reports. I have requested information, documentation, validation, and verification. Nothing ever gets accomplished, this company name continues to remain on my credit files with XXXX and XXXX unjustly. It is a violation of my federal rights under the Fair credit reporting Act and Fair Debt Collection Practices Act.

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 2015-11-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I would like to cancel my card. After calling the number on the back of my card and being put to hold for an hour and a half to speak to a representative, I hung up. Thinking I 'd reach a representative faster if I called back using the " international collect '' number, I rang again. Finally, I reached a customer service representative. He asked the reason for my call. I said to cancel. He put me on a " brief '' hold that turned into another half hour. He never came back to the call, and my card is still active. I do not want to deal with these people ever, ever, ever again. CFPB, please help. I would n't wish this experience on my worst enemy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Synchrony bank took control of my Dickssportinggoods card from GE Money bank. I am separated from my wife and she set up payments to automatically come out of her bank account. For some reason after 6 months they quit taking the payments. Due to our situation there was a lack of communication and we did n't realize for several months that this had occured. After a while I came in contact with Synchrony bank to begin trying to rectify the situation. They have never been very helpful or courteous to me throughout this ordeal. They told me once that they could put me on a program to help me out. But I was going to have to suspend charging privileges. I did n't want to do that so I called Dicks to try and find a better solution. They referred me back to Synchrony. When I called them back to take their offer 15 minutes later, they informed me that I had no programs available to help me. So anyway, I have been paying the minimum payments to try and get the past due amount taken care of. My charging privileges have been suspended. That is all well and good, but what I 'm filing my complaint about is that last month, and maybe other months, I made my payment on time and they still charged me a late fee. When I called to make my XXXX payment I questioned them and they said that since I did n't pay the full amount that I would get charged late fees. I think that is absurd. They said I agreed to that when I opened the card. I agreed to nothing with them, my agreement was with GE Money Bank. I am asking to get a minimum of XXXX late fee refunded and a maximum of XXXX for the months they quit taking our payment without us knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Account # 1 $ XXXXBalanceXXXX SYNCHRONY BANKOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceMEDXXXX HOSPITALOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor XXXX XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXthese accounts was open due to fraudulent activity and results in police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conns contact me doing church doing my job after XXXX and they call me at least 7 to 8 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
this is fraud. someone is using my identity. a request was maid to this agency on XX/XX/2015 in my name that I did not agree to.

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 2016-12-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion. 

Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.

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 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XXXX XXXX, 2016, I authorized a debit from my account with my Walmart Credit card, in the amount of {$75.00} for the due date XXXX XXXX, 2016. I was leaving XXXX for my vacation last XXXX XXXX, 2016. I decided to mail a check for my XXXX XXXX due payments in the amount of {$75.00}. When I arrived after my vacation, They wrote me a letter, applying the check for XXXX XXXX due payment. Instead of my XXXX XXXX due payment. The balance instead of deducting my payments, it was even increased. For three months I was not using the credit card. Now my balance went up again because of the penalties, late payment as they claimed. I called them three times, to no avail, they are insisting on what they want. I wrote a letter requesting them to reconcile their records and waive the penalties and late payment they slapped on my 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 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank is trying to collect a debt. I can not pay them right now. It is fine to call, but they are harrassing us now. They call every 45 minutes Monday through Sunday. They also call my cell phone sonetimes.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank contacted me as a result of a complaint I filed last week. My complaint dealt with how they allocated all of the additional payment on my Care Credit account to the interest-bearing purchase and none to the soon-to-expire promotional purchases. I had to call XXXX to get the allocation changed which took about XXXX minutes each time. When the representative called me, she explained that the legislation passed in XXXX required them to allocate any overpayment to the balance with the highest interest. Since the promotional payments had no interest if paid off in time, they had to credit the interest bearing purchase. I believe this is a technicality or interpretation that Synchrony has made that enables them to profit from the accrued interest on interest-free promotional purchases and was definitely not the intent of XXXX when the consumer protection legislation was passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. 

See Attach

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am XXXX. My XXXX number is ( XXXX ) XXXX and I have been XXXX since XX/XX/XXXX. The business is located in a brick and mortar store which I own with no loans or mortgage and the location is XXXX XXXX XXXX, XXXX, VA XXXX. My complaint is about a problem with a Lowes business account of ours, an account that we have had since XX/XX/XXXX. The problem started as a result of a failure of Lowes automated credit card service ( an IT programming problem ) that has resulted in our credit limit being reduced by XXXX % through Lowes. In our attempt to get the credit limit reinstated Lowes tells us that after 22 years with this credit card they can find no valid information that we exist, have a valid location, and they can find no credit information or credit report on us in which to reinstate the credit limit - Very curious because Lowes provide this credit card in XX/XX/XXXX along with original credit limit. As a result of all of this all of the Lowes ' credit underwriters are talking in circles without saying facts other than " try back in 90 days for a credit increase '' - What?

Company response to consumer: Closed with explanation