vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony Bank has sent unitemized bills and multiple harassing, " recorded '' phone calls for mysterious " balances '' charged for presumed, unspecified, apparently fraudulent goods or services which neither the bank nor I can identify, verify, adjust or refute related to an XXXX credit card that I have shredded many months ago ( I 've subsequently made all my XXXX purchases from a different credit card from my XXXX ). I 've identified the transaction as a " scam '' which they have not denied or disputed, and have demanded, as documentary proof of the scam, a transcript and/or copy of the phone conversations that have allegedly been " recorded '' but am told that the caller " can not, '' as a matter of company policy, be sent to me thereby giving the officials of the Bank an intentional advantage that is inconsistent with official duty and the rights of customers ( see the legal definition of " corruption '' in XXXX ). This abusive behavior is clearly a systematic and unscrupulous exploitation of individual consumer vulnerability in the age of massive, electronic, impersonal, digital commerce and should be documented in detail, exposed and stopped.

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 2016-03-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have had an excellent credit history with my Old Navy account with Synchrony Bank, and they sent me a letter one year ago lowering my limit due to a low credit score. Then they sent a letter now closing my account, saying they decide to close it due to my negative reports on my credit report and too many accounts. I have not given them permission to continually check my credit report like that. AND, my card has been at a XXXX balance, paid off, for at least three months.

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 2016-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Having an account through Synchrony Bank/Synchrony Financial ( formerly GE Capital ) for about one year, one in good standing and with XXXX balance, I received a notice from my credit monitoring service that the account was abruptly closed. My account was closed without any prior notice, warning or request. Upon calling the bank, pleading to speak to someone in the United States, I was eventually told that I was n't using the card enough. This card was barely 12 months old. 

The closure of this account, as with any account closure, immediately and negatively impacts a consumer 's credit score, as it did with mine. The card was still new and even though the parent company advertises that the card 'will be there when you need it ', this was not true at all. The bank 's representative went on to tell me that even the additional XXXX cards I hold with this bank may also be closed, simply because I do not use them enough. I suspect these practices may possibly violate the Fair Credit Protection Act. My consumer credit score has now been damaged by this bank 's action for no reason of my own other than that I was n't using the account. I was told I could reapply for a new card, which would also negatively impact my credit score and likely cost me fees by the bank. The practices of this financial institution appear murky at best, and possibly in violation of Federal laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.

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 2016-02-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint, but merely dismissed it by sending the letter.

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 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response ....

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 2016-08-24 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Conn's, Inc.
State: TX

Complaint narrative:
Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
A company named XXXX at XXXX is contacting my place of employment

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 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.

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

Complaint narrative:
This complaint is associate with my XXXX XXXX XXXX. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a XXXX % fee or {$5.00} whichever is greater. I used XXXX of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The XXXX checks were written for {$2500.00} and {$240.00} respectively. I was charged fees of {$100.00} and {$9.00} respectively for using the checks. I called the credit card company to protest the fee, explaining that the fee description only mentions balance transfers as being subject to a fee, and that I did NOT transfer a balance from another credit card. I repeatedly stated my case and requested a refund of {$100.00} - the combined total of the XXXX fees. The credit card company has refused to issue me a refund. I find their description of fees for the use of these checks to be totally misleading and deceptive.

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 2015-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Received a letter at my home, from Quality Loan Service Corporation dated XXXX/XXXX/2015, with the heading " Debt Validation Notice ". The pertinent sentences state, " The total amount of the debt currently owed is {$230.00}, XXXX. ", and " The current creditor to whom the debt/loan is owed is XXXX XXXX, XXXX. " I went today to the website of XXXX XXXX, and used the Look Up tool. The XXXX XXXX website states that XXXX XXXX owns my loan. This website also states that my loan ' s Note date is XXXX XXXX. 
Obviously, Quality Loan Service ' s statement is false - as to whom the current creditor is. 
I contest XXXX XXXX 's standing in any foreclosure proceedings, as it is not the owner of my loan. 
I contest Quality Loan Service 's standing as Foreclosure Trustee, in view of the false statement it made re whom owned my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.

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 2016-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, 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 2015-09-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.

Company response to consumer: Closed with non-monetary relief