BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The calls start at XXXX most times I am called 2-4 times a day every day yes I do owe them money but calling me back to back wo n't get it.

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 2023-03-24
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX XXXX, I am writing to bring to your attention a situation that has been affecting my financial wellbeing for several years. In XX/XX/2014, I notified Discover Bank of a fraudulent credit card that had been opened in my name and delivered to an unknown person named XXXX, whom I have never met. Despite notifying Discover Bank of this fraudulent activity, I recently discovered that this person has been using the card for years without making any payments, causing significant damage to my credit score.

I have been working with Discover Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. This has caused a significant amount of stress and financial hardship for me.

I am reaching out to you as I am in need of assistance in resolving this issue. The fraudulent activity that occurred back in 2014 was not authorized by me, and I should not be held responsible for any damages that have occurred as a result. I believe that the credit card should be removed from my credit report as soon as possible, and I am willing to provide any necessary documentation to support my case. 

I hope that you can help me in this matter, as it has caused me a great deal of distress and has had a negative impact on my financial future. Please let me know what steps I need to take to resolve this situation as soon as possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Sam 's Club store credit card, but received approval for a Sam 's Club Master Card. I do not want a Master card for Sam 's. I spoke to several people at Synchrony Bank XXXX XXXX ) and was told that I could not have a Sam 's Club store credit card because Synchrony Bank no longer issues them. According to Synchrony 's website, a Sam 's store credit card ( for use at Sam's/Walmart only ) is offered. Since I was only offered the Master Card for Sam 's Club, I canceled my application. I do n't want a Master Card. If I did, I would apply for XXXX. It makes me very angry that a bank, any bank, would force me to have a type of credit card that I do n't want, just to be able to shop at a specific store. I have sent a copy of this message to Synchrony Bank and Sam 's Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged. 
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX. 
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either. 
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: SYNCHRONY FINANCIAL
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was forced to borrow from Care Credit XXXX Synchrony Bank XXXX when I did not have dental insurance or other credit remaining, and had a XXXX that needed expensive work to avoid XXXX. The dentist 's office staff suggested using this option to pay for the service, and the dentist requests that you have credit or pay in cash prior to treatment. He is also the most capable dentist in the area and it is quite likely no one else could have done the procedure he did XXXX. 
I did not plan to be out of work for nearly as long as I have been. XXXX also does not cover any dental issues. Other forms of insurance are very expensive. 
I have found is that Care Credit uses several methods to add huge amounts to your principal and almost automatically increases your credit rate to the maximum allowed under their contract. They do not offer workable payment plans if you get behind, and their late fees are larger than the finance charge. 
I have previously contacted Synchrony Bank asking for a payment plan for at least one month. ( Their XXXX request is to pay the entire past due amount, which of course includes their numerous late fees and interest charges ) As a last resort, the customer service rep accepted a payment of {$35.00}. She did not mention that the late fees are also {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm finding it impossible to access my WalMart credit card statement. WalMart promised me a refund of {$230.00} for a botched delivery, but I ca n't get them to fulfill that promise.

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 2015-07-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation? 


ThanksXXXX XXXX (

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened this account.

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 2017-03-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've recenlty been a victim of a preditory loan. I purchased a bed from XXXX XXXX in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase amount not on the remaining balance. Prior to the expiration date I never received a notice informing me of the upcoming expiration date and since I was not receiving the statements in my email, I missed the expiration date. I had to sign into my account and check on the status of the account, and it was then I noticed an interest charge of over {$1100.00}. I called their customer service and asked if I could just pay the remaining balance today and be done with the card and not be charged the incredibly high interest charge, especially since this was something that happened about a month ago. The account manager was immensely unhelpful, and when I asked to speak to her manger she took down my number and said they would call me back within 72 hours. At this point I would like to get this resolved as soon as possible since they will continue to charge me % 30 APR until I pay off the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Gap Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal XXXX Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Gap Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS 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 2016-03-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I set up bi-weekly payments on my account to cover each month 's payment, a payment was made on the bill generation date ( early ) so Synchrony charged me a late fee when I was actually early on the payment. I spoke to an agent who saw all the payments but was unwilling to correct Synchrony 's mistake so I asked to speak to a manager. The manager actually said to me " you made a payment early so we charged you a late fee '', I was appalled and even more so when she refused to correct the error the company has made. It 's obvious Synchrony practices unfair consumer credit activities and I will be filling a complaint with both the XXXX and the Consumer Financial Protection Bueau for charging me unwarranted late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my American Eagle Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the American Eagle Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 
According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only one which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Other

Complaint:
I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to 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 2016-03-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender failed to send financial/billing statements in a timely manner ; after requesting a bill, and receiving one, I have made timely payments. Lender continues to add interest charges to the initial late fee assessed, even though representatives assured me that there would be no late fees, as their error caused the initial billing lapse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my savings and checking account on XX/XX/2021. I called 4 times asking why the accounts were being closed and all I was told was it was a management decision and I could not be told why.

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