vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Financial bank locked my account and requires an impossible phone call to regain access. I am in XXXX so international phone calls are impossible and would not be secure. This problem caused me to miss a payment, which hurt my credit and caused me to owe a lot of money. I was at zero interest and a late payment makes it go up to around the maximum. I was able to contact the company, and they told me to XXXX and now ignore me. Here is a quote : " You have no phone so please call this number. '' The bank called me three times, but we can not communicate because XXXX has phone problems - I ca n't hear the bank when I receive a call. I told the company about the phone issue - they are too stupid to understand. The bank stopped communicating. I have tried to contact the bank everyday for almost a month - they no longer reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am being contacted by XXXX XXXX XXXX for an account that is not mine. I have advised them the account is not mine as I am a victim of Identity Fraud. XXXX XXXX continnues to call me and harass me asking me for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I owe {$4600.00} on my JCPenney card which is currently charging me 23.99 %. My husband lost {$40000.00} a year in income this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.

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 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.

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 2015-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card, but I need to remember to click on my XXXX credit card each time I make a purchase, and occasionally I forget. 

The amount I owe on the card is modest ( less than {$50.00} ) but I find this business practice to be deceptive and if it is n't illegal it certainly should be. ( They basically are tricking consumers into using a credit card that the consumer never asked for or agree to have ). I would appreciate you looking into this on my behalf and on the behalf of all consumers. 

Thanks, 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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it all.

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 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection
State: NY

Complaint narrative:
An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
While contacting Barclays to activate my rewards, the IVR stated that I had a payment due. Knowing that I had a payment posted today, I contacted their customer service at XXXX. The first man I spoke to informed me that they had not yet posted my payment and that it would take 2 business days to post. I asked if they would be effective dating the payment and he said no. I asked him if he was sure because they are required post my payment with the effective date as of when they receive my money. He again said no. He said their policy was 2 business days. I told him that they can not continue to charge me or any other customer interest if they already have my money. I asked to speak to a supervisor. After waiting on hold for XXXX, his Supervisor XXXX got on the phone. I asked her the same question, since you received my money today, XXXX/XXXX/16, will you be effective dating my payment. She too said no, that their policy was that it would not be posted for 2 business days. I again said that that is not right. You have my money and you can not charge me interest from today XXXX ( Friday ) until two business days next week ( Tuesday. ) I told her that is not acceptable and that I would be filing a complaint on the CFPB website. She told me to call back in two business days to verify the money was received. I told her I know the money was received by Barclays. I have a mobile confirmation and my bank also confirmed. She tried to say that my bank had not yet sent the money which was not accurate. She said that if I paid it on the Barclay 's website I would have received credit today but since I sent the funds electronically from my bank, it would take 2 business days. I told her that is not fair and they are still obligated to effective date my payment today XXXX/XXXX/16 regardless of when they post it because they had my money today. I have confirmation the money was received by Barclays today XXXX/XXXX/16 and it was not posted to my account. When I called my bank, they said this was not the first complaint that they have had about Barclays. I would like a full audit of my account and an interest credit from Barclays for every payment that they have held my funds for two business days. I would also like interest on the interest that I was overcharged. I would like all prior payments effective dated the day they received my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart sent me email promotion on XX/XX/2016 promising {$50.00} e-gift card within 10 days if I applied and was approved for their XXXX through Synchrony Bank. I applied and was approved the same day, XX/XX/XXXX. I received the MasterCard ending in XXXX. I have not received the {$50.00} gift card. When I call Walmart, the only response is that they are working on it. It has been well over 2 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip & Stylianou firm continues to call and harass me with unwanted calls at all hours of the day and night demanding payment for student loan debts that NEVER EXISTED. I have no student loan debt of any kind past or present but the continue to call and demand payments. I have requested them to stop the unwanted calls but they have not complied at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Someone compromised my credit card a ran my XXXX XXXX card up to XXXX without releasing the funds to my credit cards and I got stuck with a bill of XXXX dollars in debt.i have a XXXX card and someone compromised it and left me stuck with a bill.

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 disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I setup autopays with Capital One. My monthly minimum payment was usually at XXXX per month. I checked my account today and they had a payment in the amount of XXXX pending to be withdrawn from my account. I called them immediately and asked why such a large payment? After sitting on hold for 5 minutes they came back and stated that I requested a payment on top of my autopay. Well of course I did n't do that and if I was stupid enough to do that then would n't there be multiple transactions? I informed them that the funds would not be available, that they would have to stop that transaction. I was of course informed that they could not and that if I stopped the payment through my bank I would be charged a late fee but if I could pay XXXX right now then there would n't be. They said that was my minimum payment so again why XXXX? I informed them that I would not pay them XXXX right now and that I am going to stop the payment, in which I did my bank informed the payment is n't even pending yet but charged me XXXX to make sure the XXXX does n't get processed. Capital One automatically restricted my card use. I have no problem paying my minimum payment but I feel that the XXXX was being withdrawn unlawfully and then they tried to strong arm me by giving me a late fee, raising my interest and restricting my card. I will not pay this card until all charges are refunded and a honest reason of why they tried to charge me XXXX is given

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
They will not let me access my account without jumping hoops I want them to fix it or take their app down they made get it now I want it fixed or took down as soon as possible every other credit card fixies promblems they do nothing but tell that dept is not open and they tell you there hours I 'm sick of them can I see a lawyer

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