vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am received several phone calls requesting payment on an account that was paid for several years ago in XXXX. I have receipts reflecting payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am complaining against Early Warning because they are denying me my FCRA Right to block fraudulent information that is reporting on my early warning file. I went to open up a checking account and was denied because of information that is reporting on my early warning file. The fraudulent information is being reported by XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never had any type of banking relationship with these institutions. I filed a police report with the XXXX County Sheriffs office and listed these accounts on the police report. I filed a complaint with the CFPB and attached a copy of the report and got a response from a XXXX XXXX. He requested for me to fill out their identity form which I did and returned to him by email. I contacted today their customer service number because today is the fourth business day in which they have to block the fraudulent information per my police report. They are denying me my right and telling me that the information is sticking to my file. I explained to them how could this be legal and they are telling me that is what is going to be and I can file a rebuttal. This can be considered a rebuttal through the CFPB portal. This is not legal and I need this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down XXXX points ) because the balance was instantly above my credit line. 
I feel it is because they do not have the capital to lend anymore ... is that legal.?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: GA

Complaint narrative:
I have XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
So I dispute this Debit : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

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 2015-12-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on XXXX accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.

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 2016-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
AE ( aka Synchrony Bank ) has called my phone 6 times today in an attempt to collect on a past due balance on my card of {$95.00}. They called at XXXX, XXXX, XXXX, XXXX, and 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 2016-10-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
A while back I enrolled in a debt counseling program to pay my credit cards. That did not work out. I then went back to paying them on my own. Synchrony Bank/Dicks ( account no XXXX ) went back and charged all these interest fees and late fees. I have been trying to get caught up with them. I have a {$87.00} payment scheduled for XXXX XXXX. They then want another payment of {$54.00} by XXXX XXXX or will charge another late fee. They continue to push me farther and farther in debt with them

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 2015-09-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
they barckleys constantley mess up my website costing me time and money and i am sick of it i want fixed and i want my time and money this is a joke

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 2016-02-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Synchrony Bank Care Credit card and my balance consists of different purchases at different rates. I made a payment to pay off a 6 month no interest purchase and called the bank to allocate the payment to that purchase and the bank refused to do it. They said the minimum payment on my other purchase had to be satisfied even though it was not even due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was approved for Synchrony Bank Credit Card through XXXX, and i purchased some furniture items from XXXX on XX/XX/XXXX, to be delivered in XX/XX/XXXX, and called them on XX/XX/XXXX to cancel items worth {$480.00} way before delivery. Fast forward to XX/XX/XXXX, I made two payments in the amount of {$65.00} and {$160.00} and am trying to payoff my final bill and had to call Synchrony Bank. They told me I am responsible for {$1000.00}. They told me I had to go into XXXX store to settle this, so I went to the store and spoke to the Supervisor. After numerous attempts she and I made to Synchrony, we both got nowhere. XXXX has the information of me calling, but Synchrony is refusing to credit back {$480.00} back to my account evendors though I never took possession of those items. I spent 3 hours at XXXX with the Supervisor as she called and I called, getting transferred 8 times to different people, even the Dispute Dept did n't assist either one of us. XXXX went far and beyond to try to get this resolved with Synchrony Bank to no avail. I am so disgusted and disappointed with Synchrony Bank and I can only imagine how many people they 've done this to, it 's the principient of the fact and Synchrony Bank is taking advantage of us consumers, and this is totally WRONG!

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 2016-06-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hello, I signed up for a Citi Checking account in XXXX 2016 for a promotion to receive XXXX American Airline Miles ( Promotion : XXXX ). On XX/XX/XXXX I had not yet received my promotion miles, so I made an inquiry with Citi. They responded with a letter stating that " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transactions, which satisfied the terms and conditions ( Which would be ~XX/XX/XXXX ). 
Since then, I have chatted with customer support on at least 3 occasions, of which I kept record of the chat. Each time, customer service says " We have started an investigation, you will receive a reply within 24-48 hours. '' However, no reply has come. 
I have been caught in a never ending cycle of chatting, waiting, no reply. The part that makes this so frustrating, is that they charge me {$30.00} each month to have the checking account open. My confidence in Citi to be able to resolve matters in a reasonable fashion has been absolutely destroyed. 
I suspect that it 's Citi 's intention to drag me through the mud, promising promotion miles, then charge me {$30.00} a month while I wait.

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 2015-12-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CITIBANK, N.A.

Complaint narrative:
I am being garnished through my wages at this time without being notified by the Collection Agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
customer service associate was horribly rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. XX/XX/XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.

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 2016-11-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an open case against Citibank # XXXX. Today XXXX, XXXX, XXXX I called Citi because the monthly ACH of {$70.00} which is deducted from my bank the XXXX of each month had not occurred. I was told it was and should show up tomorrow. In addition I was also informed the balance was {$620.00} a far increase from XXXX XXXX when it was {$540.00}. 

The case # XXXX was open because Citi stated the account was 169 days past due which was ludicras! The account has been closed since XXXX. I also received a message from CFPB recently that Citi is now researching and will take 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME

Company response to consumer: Closed
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back on XXXX XXXX 2015 I used my easy deal points with my citi card, and also had to pay {$23.00}. XXXX to order the XXXX XXXX Journal news publication for about 10 months. I was told it would take 12 weeks. Well it is now 15 weeks and no XXXX XXXX journal. 
When I called citi cards they said they could not help me. I told them I still wanted the XXXX XXXX journal under the agreement they told me to call easy deals. Easy deals tells me they do not know what happened and will check on this. I called easy deals last month too and got the same story. I am still waiting. I have never in my life had to deal with such incompetence!!! Shame on Citi! 

I am getting the run around from citi cards and easy deals and either want the subscription at what I paid for or cancel the order and credit my money back of {$23.00} centCiti card and easy deals are an incompetent operation to say the least, and have no clue at what is going on. There customer service reps are clueless!!!!! 
When is comes to customer service Citi and easy deals are horrendous! 
I want answers as soon as possible!!!! 
Enough of the run around. I am getting ready to drop the charge card and go else where & gt ; Horrible service. 
I want a higher up supervisor to call me and solve the issue immediately. 

Due to the horrific service and waiting ... I want easy deals to compensate me ALSO with a free yearly subscription to XXXX magazine at no charge!!!! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was enrolled in a credit protection program through my Macys credit card. I opened up my Macys account several years ago and last month I got a letter saying I would be enrolled in a credit protection program. If I did n't opt out, my account would be charged a percentage every year as part of the program. I called Macys customer service and asked how I was enrolled in this service. The woman first said that I signed up for credit protection when I got my Macys card. I told her that I 've had my Macys card for several years and only received notice last month that I was enrolled in credit protection. She then said that this service was added to all accounts, letters were sent out informing customers and if they did n't opt out then they would be enrolled in the program. That if someone did n't receive the letter or it was lost, they would have no way of knowing they were enrolled until charges started showing up. I told that I think this is illegal and would be reporting it to this Bureau.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for 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