vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a CareCredit credit card through Synchrony Bank. I used it 3 years ago to pay for dental work for my friend. We set up the account to autopay from his account every month until the balance was paid of in 2012. The account has not been used until I had to have dental work done in XXXX. I got a statement from Synchrony with the my balance info and scheduled the first payment to be sent from my bank account. Unfortunately, my friend 's old account info was still retained in Synchrony 's system and they then took over {$700.00} from his account to pay the balance on my CareCredit card. I called their customer service line and they told me to look at my statement and I would find where they told me they were going to do that. That information IS on my statement but it is not on the first page, or the second page but down at the bottom of the XXXX page. I realize it is my responsibility to read and I should have read the entire statement but, as an employee of a financial institution and knowing we are required to put certain information up front, in bold and where our customers can readily SEE and UNDERSTAND that information, I feel that Synchrony Bank has totally FAILED in that regard. My friend stopped payment on the charge from his account ( so he could make his house payment! ) because Synchrony could not reverse the charge in a timely manner ( up to two weeks ). My other credit accounts that are autopay SAY that on the FRONT page. Synchrony should have to change their statements to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.

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 2015-12-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I signed up for a GE Care Credit Card and was told that the loan would be interest free for 1 year. I had a {$30.00} balance ( from a {$2000.00} ) loan remaining and they proceeded to charge me on the notional/original loan amount and charge me a predatory interest rate on the original balance without my knowledge. Subsequent to this I took out another loan on the same card and all of the money was used to pay down the XXXX loan and I continued to get charged an astronomical amount of interest. When I tried to discuss this with their representatives, they could n't explain it. I made a minimum payment of over $ XXXX/month and most of that was going to interest, when it should have all been principal. It is to my understanding that GE was ordered to payback {$34.00} to others like myself who were operating under the same false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''

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 2016-06-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.

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 2016-11-08 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I received multiple 0 % interest rate balance transfer offers from Barclay Bank. I did take advantage of one of these offers from Barclay. I transfer a balance from XXXX to a new Barclay Credit Card. I was charged a transfer fee of {$54.00} which I agreed to, in exchange for 0 %. After reviewing my statement which I should of done earlier, I see I have been assessed interest charges. They are as follows : XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XXXX/XXXX/16 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX I have called Barclay and asked that they reverse those charges and honor the 0 % offer. The last person I spoke with was '' XXXX ''. I have a claim # XXXX. Phone # for future communication XXXX. I also explained to XXXX, that I called the phone # on the Barclay 0 % offer letter and spoke with a person who was hard to understand and did not speak good English. But, they assured me the promo would take effect immediately. 
In closing, I asked that all interest charges be reversed and the promo instated.

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 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: FL

Complaint narrative:
A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: Conn's, Inc.
State: TX

Complaint narrative:
I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: GA

Complaint narrative:
i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.

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 2015-09-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
It is my understanding that credit card companies should no longer be sending statements with your entire account number in them. Amazon however continues to still do this. How is it they are allowed to continue to put everyone at risk? Only the lastXXXXnumbers should be showing.

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 2016-11-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
charged a late fee for being XXXX minutes late on { XXXX XXXX 2015 XXXX XXXX } Called a few minutes later to complain, talk to { XXXX with reference # XXXX } who said since this was my first time late with this credit card { XXXX XXXX } that my late fee would be waivered and that the change would show up on my next bill. I just checked my latest bill and the late fee charge was added!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.

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 2016-02-09 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: TN

Complaint narrative:
Ashley Furniture continues to contact me, calling for someone other than myself, and will not remove my number from this person 's account despite my having stated multiple times that that person no longer works here. It is disrupting to have them call when I am trying to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them XXXX on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with XXXX, XXXX and XXXX. The disputes came back as verified from Synchronicity Bank / XXXX This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.

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