vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I 've received numerous letters from Selip & Stylianou , LLP stating they are authorized to commence judgement enforcement efforts to collect on a debt that has long passed the statute of limitations in the state of NY. The debt charged off in 2003 and the statute of limitations is 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of this year, I tried to sign on to my Amazon.com store card account. I had never had problems before. A year prior to this, I voluntarily closed my account to further purchases but I never had problems signing in to pay my account. So in XXXX, I tried to log on and got the message : " We are unable to perform the operation requested. Please click the " Back '' button and try again. ". I call and talk to supervisors ; i try the chat ( but that is useless ). It 's an online account and very difficult to access your own account number. They charged me late fees and said they reversed them BUT I could n't tell because I could n't log in. Their tech support says they will help, but they are suspicious because the site says THAT I DID LOG IN!!! It was counting my unsuccessful attempts as successful log ins!! Today, I called, and a VERY SNOTTY, UNPROFESSIONAL, AND RUDE supervisor refused to give me a reason as to why I was NOT ALLOWED to log in to my own account. HOWEVER - I have since discovered that I can log on to their mobile app - AT LEAST I can see they have n't refunded me the {$70.00} late fee. I 'm sure when they discover I can access it on the mobile site, they 'll shut me out of that too. 
I have wasted valuable time trying to access the account. I would like to sue them and I think I have a great case. They also do n't give customers an Auto-Pay option like every other credit card. Synchrony - formerly GE Bank - is THE WORST CREDIT CARD COMPANY OUT THERE. DO NOT apply for XXXX of their cards. Every card I have every had with them has had problems ; none of my other cards do and if they do, the problem is solved efficiently and professionally. PLEASE DO NOT APPLY FOR A CARD. These crooks need to be shut down. Consumers do n't deserve this abuse, so let 's not give them the opportunity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I attempted to make a payment online and their system drew from the wrong account. They refused to make it right. Apparently, this is a common issue for them as their representative stated that they have had several complaints like mine.

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 2015-05-27 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid on my Walmart credit card over the phone {$300.00} the minimum payment was {$25.00} on XXXX/XXXX/2015. I paid more than required and the rep told me I would n't have to make another payment for the next few months. I never received any past due notices or emails, however XXXX/XXXX/2015 I received an email and a letter a few days later that my credit line has increased. I also logged into my account earlier this month and it said payment due date XXXX/XXXX/2015. The website was very misleading and the representative misrepresented everything to me. The only reason I knew my account was delinquent is because XXXX XXXX sent me an email notifying me there was a change in my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
My account with Banana republic is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no where. I am attaching all document for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Trying to make payments to Synchrony Bank through their automated system since they charge {$10.00} for agent payment help. However, I feel there is a scam in that you can not get through. You enter what they ask and it does not take. Over and over again. You are endlessly trying to make a payment then because it is not made I get a late fee or charges. You also get a message that wait time is extensive please call back later. Secondly, when they call they say they are Synchrony Bank but do not give any other information. When I call they ask why am I calling - DUH. I have multiple accounts with them which one is it? This occurs month after month!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.

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 2016-06-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card with Synchrony Bank, a PayPal Smart Connect card. 
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase. 
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX. 
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. 
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card. 
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers. 
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem. 
My fly XXXX Member # : XXXX. Please help me. 
Barclays card number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX A XXXX service offered me a CareCredit brochure. The brochure seems to say that you can have 6 months to pay off the charge interest-free. XXXX Reviews of the credit card and the issuing bank were generally low. I went to the CareCredit.com web site for more info and used the Payment Calculator to calculate payments for financing a {$850.00} charge. Results are below but there seems to be a hidden fee. 
XXXX Plan Term : Estimated Monthly Payment to avoid interest and pay only the amount financed : 6 Month {$140.00} 12 Month {$71.00} 18 Month {$48.00} When I did the math, I was paying back {$2.00} extra on the 6 and 12 month plans but {$14.00} more on the 18 month plan. I think this is a hidden fee. 
I visited the CFPB site and saw the action against CareCredit in XX/XX/XXXX. Today, in XX/XX/XXXX, the brochure and website use the terms " promotional purchase '' and " promotional period. '' It 's not that clear to me what that means. " Promotional '' made my alarm bells go off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX finance, ,ge bank. was how account opened. synchrony bank absorbed amazon custoners out of ge bank. amazon store card. synchrony bank internally ( tech escalation ) altered account, then 5 yrs of trouble free electronic payment fail pointing finger at account holder... close account! Demand payment.

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 2016-10-04 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 paid all the way up until the end now this company is stating I owe $ XXXX This is a scam. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I see that on my credit report I have a collection accout for {$1800.00} for GE Money Bank in which I dont owe a debt to a GE money bank I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name GE money Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: CA

Complaint narrative:
Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

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