vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a BP credit card that was serviced by XXXX XXXX, I had no problem during the entire time I have used the card. The card was transferred to Synchrony Bank. I set up auto pay for the full balance on Synchrony 's site but as the due date approached I could n't see that an auto payment would occur so I made a manual payment for the statement balance. The auto pay was also deducted. I called Synchrony to have one payment reversed and was told I had to provide a bank statement from my bank showing that XXXX payments had been made! Synchrony bank claimed that the refund department had no way to see a duplicate payment and they expected me to provide proof of a duplicate payment! The agent also said that I could NOT have a payment reversed as there had been charges made on the card after the statement closing date and I could only receive the excess after my current charges were deducted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 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: USA DISCOUNTERS LTD
State: NC

Complaint narrative:
I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Unfair business from creditor. 
I had an Old Navy Credit Card since XXXX. I have never looked at my balance. I just paid online every month. In XXXX, I reviewed the statement on line and there was an item of {$19.00} and {$8.00} which I am sure this item was not mine. I went back to all the statements in XXXX and XXXX, Old Navy has been billed me the same amount every month. I have contacted Old Navy in XXXX XXXX but I got direct to the machine system. Then I sent a letter in XXXX. Old Navy promised to refund me the money that they have mistaken billed me since XXXX. Again, same item shows on my XXXX statement but under different name. The statements of XXXX and XXXX showed the transaction under XXXX but the statement of XXXX XXXX shows Miscellaneous Adjustment three time with the amount {$19.00} and {$8.00}. 
I am seeking your help to solve this problem. I have been contacted Old Navy Creditor many times since XXXX and seems like they did not want to solve this problem. 
Old Navy have treated me unfairly. 
I appreciated your attention with my matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
My payment was duplicated via ACH by Sychrony Bank. They will not return funds via ACH. I was told, " We have no process for that. '' ) I was told that they will issue refund check in around 14 days. I asked for it to be overnighted as it was a considerable sum of money ( {$2.00}, XXXX ). I was told there is no process for that either. Really? I find that hard to believe. How is it possible that a bank can not ACH back funds received in error or overnight a check? As far as I am concerned, they are sitting on everyone 's money and holding it hostage. I escalated my request all the way to manager level to no satisfaction. I am a customer in good standing. I pay off my balance every month and this is the best they can do?

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 2015-06-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?

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 2016-01-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an Amazon credit card issued by Synchrony Bank. I am trying to understand payment allocation and interest application policies used for this account but online information and customer service were not helpful. 

The website offers XXXX payment allocation methods. The standard, option 1, applies payment amounts in addition to the minimum payment to interest accruing, non-promotional balances first and then promotional balances ... except in the last two months of an expiring promotion where anything in excess of the minimum gets applied to the expiring promo balance. Option 2 applies the ENTIRE payment, including minimum payment, to non-interest accruing promo balances. Option 3 seems to do the same thing as option 1. 

My questions are : 1. How is option 1 different than option 3? 
2. How is the minimum payment calculated and applied for each allocation method? 
3. In a statement period where I have a non-promotional balance AND ALSO an expiring promotion, how do I calculate the payment amount required to pay off the expiring promo balance in full and also the non-promotional balance such that no interest is charged on either. 

4. In the above scenario, which payment allocation option would be most suitable if the goal is to not pay any interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.

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 2016-05-19 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Several months ago, XXXX ended its relationship with XXXX XXXX and transferred all accounts to Barclays. The transition was handled incredibly poorly. I always paid my balance in full and monitored activity online, but because all records of my transactions disappeared from the XXXX web portal, I was unable to check my balance and did not agree with the balance that Barclays was showing and do not believe they applied the last payment that I made to XXXX XXXX. I have been on the phone with both companies several times in an effort to resolve this, but 3 months later have been unable to do so. In the meantime, I am not willing to pay Barclays the extra amount -- over {$1200.00} -- that they believe that I owe and which I believe was paid and the account has accumulated late fees and interest penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.

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 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.

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 2017-02-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am submitting a complaint about Lowes ' Store credit card. I believe that they have a deceptive practice of not sending consumer bills for the goal of charging them late fees and interests. On XX/XX/XXXX, I made an online purchase for the amount of {$75.00}. On XX/XX/XXXX, I received a paper bill for a total of {$130.00} with a {$35.00} late fee plus some interest. When I called in to the customer service, the explanation is that the bill was sent electronics to my email. I told him that I did not receive any " electronic bill ''. His suggested that it went to the " junk mail ''. I told him that I did not ever recall being asked to accept an electronic bill in lieu of paper bill. 
When I went online, I discovered that for the same purchase, I was also charged a {$25.00} late fee in XX/XX/XXXX. 

I found Lowes ' Credit Card 's management company XXXX Bank totally deceptive in it practices.

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 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Contracted with Lowes of XXXX NY to install a fence. A Lowes Credit Card account was opened in XXXX 2016 for the purpose of financing the project. As of XXXX XXXX, 2016 the fence and materials are still not installed and delivered. Lowes Credit is still charging me interest and requiring monthly payments on materials and service that they have not provided. I have made several attempts to resolve this issue with them to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX card. I had it configured to pay the full balance every month by automatically withdrawing payment from my checking account. 

XXXX discontinued the XXXX card. Without notifying me, they transferred my remaining balance to a new XXXX XXXX, which I did not want and did not activate. They did not transfer over the autopay settings. 

I received no written or electronic correspondence that my balance had been transferred, or that any payment was due, until I received a letter today ( XXXX XXXX ) notifying me of a past due payment ( which affects my credit score ) and a late fee of {$35.00}. 

This is a fraudulent late charge and should be removed immediately. I called customer support but was never able to connect with a human being to request that they take action.

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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a PayPal MasterCard account. I have been paying off a large balance the last couple of years due to a move. I was making extra payments and they were not being applied to the next months statement. They would still send me a bill. I called them once about it and said they ca n't do that and they need to return my extra payments. They sent me a check for around {$2300.00}. They never reversed interest on the years I have been doing that. They just refunded my last few extra payments. 
It just happen again. I sent a {$500.00} payment for XX/XX/XXXX and and extra {$2500.00} that one would think would be applied for XX/XX/XXXX. I just spoke to them and they said thats how they do it. 
I would like to know why they are allowed to do this and where is the protection for the consumer from these predators.

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial was notified on or about XXXX XXXX that two payments ( payment was made XX/XX/XXXX ) were taken out of our account. My wife called and asked to return the extra payment that was taken out and they informed us it would take up to 10 days. On day 10 there was no money in the account so we called again. They stated that nothing had been requested and now it will take 48 hours. After waiting that 48 hours, still nothing. We then called again, and again the message was it will be in our account in 48 hours. This is after giving them the confirmation number from our bank. Again, nothing in the account. We called again and they said they needed a screen shot of the online baking deductions, so we sent that. Still nothing. I have now called twice today requesting to speak with the person we have been speaking with and was informed she was busy and I would get a call later. This is unacceptable. The money is still not in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank closed my account without notification with an available balance of {$240.00} without proper cause.

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