vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Early in XXXX 2015, the XXXX or XXXX we received a call from XXXX that they had a question about an order placed by XXXX XXXX requiring XXXX packages and charged to our PayPal ( XXXX Bank ) credit card. We immediately informed the caller that we never placed the order and an email address provided by the buyer XXXXXXXXXXXX ' was not XXXX of ours. The caller from XXXX said she would issue an order to stop the shipments. We immediately called the credit card bank through PayPal and the card was cancelled and told a new XXXX will be issued. They noted our complaint of card fraud and said they would investigate. This was a representative in XXXX. 
We received a letter dated XXXX, 2015 from XXXX bank, a copy enclosed, stating they did not find any unauthorized purchases and this is after we identified these fraudulent charges to both XXXX and PayPal. 
Recently when time permitted we again contacted XXXX who confirmed the XXXX of the shipments were intercepted before delivery and returned, but XXXX shipped XXXX by XXXX. shipped on XXXX XXXX, 2015, even though already reported fraudulent, and delivered via rerouting request to an address in Texas. Tracking information from UPS and XXXX confirms this. A report of this fraudulent activity has been submitted to the XXXX, NC police department. 
We are concerned with the lack of assistance from PayPal to investigate properly and help to identify the criminals involved. They have apparently decided it was not their responsibilty to assist to get these charges removed. I believe the PayPal response to our report falls into an area of non ethical or even dishonest business practice. 
XXXX has removed and charged back the charges and will further investigate the address of the recipient of the fraudulent merchandise order. 
We have cancelled this credit card and resolve not to deal with this company-bank any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I received a bill for {$2100.00} from XXXX XXXX XXXX, XXXX a bill at XXXX : J.C.Penny Consumer. 
Original Creditor : XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
XXXX XXXX XXXX XXXX XXXX were threatening when I called their toll free number XXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX XXXX discontinued its credit card affiliation with XXXX and moved it to Barclay. First we pay all credit cards in full each month. When the conversion took place there was no balance due XXXX, however we did have a disputed item for a medical bill with XXXX for {$1000.00} which we have since been reimbursed for by our health insurance provider and Barclay has been paid too. 
As of XX/XX/XXXX this matter is still not resolved and Barclay says we owe them {$3100.00} which includes interest charges. For one year I have asked for details and NONE received, I have written directly to The Office of the President and they have not resolved the problem. I have tried almost 20 times to get this matter resolved!!!!!!!! 
In the mean our credit rating has dropped several points. 
How can you help?

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 2017-01-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony bank failed to credit my payment of {$250.00} on XX/XX/2016. When I called them to discuss they were unwilling to accept my bank statement as proof that a payment had been sent to them electronically by my bank ( XXXX ). They were completely unwilling to work with me on getting this resolved. Currently the minimum payment due that I owe is {$110.00} yet I have now been charged 2 months of late fees and my credit score has completely tanked.

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 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I obtained a care credit account for XXXX, immediately after I was incorrectly charged by another physician, I contacted them to let me know, at the time they told me I was responsible for this charge and would have to settle it myself and make payments before I defaulted. I made payments and got the charge cleared off on my own. I was never credited for this and charged interest and late fees. Fine whatever I paid, I then used it for its intended purpose and got XXXX I needed badly. Well the XXXX office had a hard time charging them because I never actually received a physical card. 
So I am paying and I receive a notification that my account was sold to XXXX. I call them to try to fix this mess and they send me to a XXXX credit collection agency XXXX XXXX. I call XXXX multiple times during the days and left messages to try to resolve this issue 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 explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. 
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.

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 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..

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 2016-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Credit card company sold debt to collection agency that resulted from identity theft. I have mailed a copy of the identity theft report via certified mail to the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Out of no where JCPenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with XXXX dollar credit then it it increased up to XXXX and then up to XXXX and few months ago up to now supposed to be XXXX. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. 
I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit since I was approved for the last XXXX have not made any changes to my credit report and feel they should not base out credit history with out side sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the 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 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a dental issue and paid for it using CareCredit.. now Synchony bank. the account had monthly payments that were supposed to be {$90.00} a month, zero interest for XXXX years. I make bi-weekly payments of {$50.00}. At some point an additional charge was added that resulted in my payments being short and subsequently lead to late fees of $ XXXX/month and interest. I did not authorize this charge. I made numerous attempts to correct this and on several occasions have brought the account current and still disputed the charge that I did not authorize. Finally after nearly a year, they removed the charge but did not correct the fees and interest that had accrued or credit any of the fees or interest back. My account is still short, still being charged late fees and interest ... and my promotional period is about to end which will result in huge charges if not paid in full. They never even sent confirmation of removing the erroneous charge In fact on the same statement the charge they still charged me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I would like to file a formal complaint against the credit card issuer Synchrony. I am XXXX years old and had an XXXX. I could n't work and fell a little behind, not even 30 days on my care credit and j.c. Penney accounts I hav still been sending in money and they hav been calling me harrassing me early in the morning late at night XXXX, Sunday morning and sometimes 5 or 6 times a day I am now catching up on the payments and I am the one that has to pay their terrible late and over refit limit payments, not them so I think it is total harrassment to call me a zillion XXXX a day I so loved hearing that phone ring constantly when I was as sick as a dog. I am ripping up these cards and paying them off, they 've by far the worst credit card company I hav ever dealt with. Than you XXXX 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 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My account is being handled by XXXX XXXX XXXX XXXX and is being reported as over 90 days late. Trying to have reported as current and willing to pay to bring under 90 days and receive proof via fax by Barcley Bank is not being done, transfered and given differant information.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have XXXX credit card accounts with Barclay Bank : XXXX Rewards and Juniper. On XX/XX/XXXX I submitted a request for XXXX balance transfers to my Juniper credit card in the amount of {$390.00} and {$1400.00} because I am supposed to have 0 % interest until XX/XX/XXXX. However, the balance transfer was process with my XXXX Rewards Account instead of the Juniper account. I believe this was done intentionally as my XXXX Rewards account only has 0 % interest until XX/XX/XXXX. I contacted customer services and requested they fix the issue and process the balance transfers with the Juniper account as previously requested, but they are claiming there is nothing they can do. This is FRAUD. I did not authorize those balance transfers to my XXXX Rewards account. I do not understand how this is legal and okay. I am sick and tired of these banks trying to find ways of ripping of the consumers who keep them employed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Creditor Synchrony Bank is using unfair credit practices. The company has reduced my credit limit on a number of occasions and each time it is without timely notice, i.e. written communications. Since this has occurred, I took notice of the timely of the mail and they took adverse actions to my account prior to my notice thereof and further more reduced my credit limit below my outstanding balance. Since this company has taken over for GE Capital it has been a nightmare. I want my credit limit restored so it does not continue to adversely affect my credit until such time as I can pay the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation