vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In roughly XXXX, I was called by an XXXX call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing XXXX XXXX dollars American. I challenged the claim stating '' I find that hard to believe as I only have a XXXX dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the error. He assured me it was cleared and I checked. It was XXXX balanced. 2 weeks and another phone call from XXXX this time willing to give me a break and I only owe XXXX XXXX. I hung up, immediately called the GE rep. Who was astonished that the amount had been again inflated from XXXX. He again XXXX the account, and I further asked him to close said account. It was done confirmed, and I have not looked back. Now Syncrony bank the new GE money crew are threatning me with a law suit of XXXX dollars in late fees, penalties etc. On an account I cant even get into to check as it is indeed closed. I have informed them of the latter and they in turn have sent me a supposed verification of the amount owed which is contrived of debt going back to XXXX, and skipping through the years of XXXX, and XXXX when closed. The information is not complete and contains only the penalties and late fees, but no actual charges for goods. I do not owe them, yet they are threatening wage garnishment in Oklahoma where i reside. When I tried to contact Walmarts fraud department I was given the number. When I contacted the number it was a direct line to the same group trying to sue me. This all sounds illegal and fraudulent.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was offered a card that had XXXX interest for the first 6 months, I was told by the store merchant that at the end of 6 months I would be charged interest. It was never explained to me that the interest would be compounded. So now I 've noticed that I was charged one lump sum of over {$300.00} in interest plus on going interest at XXXX %. I called to complain and offered to pay the entire bill and they refused to waive the lump sum interest. My issue is the lump sum interest being tacked onto my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge.

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 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO

Complaint narrative:
I used Cardinal Financial as my lender on a new home purchase. During the application process, I was to obtain a survey, which costs would be paid out of pocket. The first payment was {$500.00}, which I made via credit card to XXXX XXXX. Because it was new construction, the bank wanted another survey which cost an additional {$150.00} which I also paid out of pocket via a credit card on XXXX/XXXX/2016. During closing I noticed that my closing docs had a charge of $ XXXX for the survey that they indicated they paid to the vendor. They indicated to contact my closing agent XXXX XXXX for a refund. I called XXXX that afternoon and she indicated that she would get that processed right away. In fact I received an e-mail on XXXX XXXX that she requested the refund. To date I have not heard back from the lender on this. After several attempts, the lender is no longer responding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( XXXX visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of XXXX! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds looked into it and they were ordered to pay back the unlawful charges to consumers. I was one of them! I actually got check in the mail with an explanation. This was after I had PIF and closed my account! The only reason I opened another account was I thought they had learned a lesson and this tone the promotion was legit. I guess I was 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 2016-01-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?

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 2015-09-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD
State: AE

Complaint narrative:
I recently submitted a complaint on USA Discounters under case # XXXX. They were to refund me the amount that they garnished my wages. It has been two months and they have not refunded me the money that they garnished from my wages. The amount has totaled {$1200.00}. I am still waiting on them to refund me the money that they said they were along with what was garnished with it which is the total stated above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.

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 2016-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was offered {$20.00} reward incentive to open a Sam 's Club XXXX at the checkout line. At the time I signed up they said that the credit would show up on my first billing statement. I got my statement today and there is no credit! I called their customer service XXXX and was told both times that the credit will show up in XXXX to XXXX billing cycles. Because of the deceptive practices I do not want this card at all. Sam 's Club XXXX is issued through Synchrony Bank. I also have written letter disputing this and have mailed it to them per their instruction on the back of my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/AMAZON on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.

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 2017-01-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful

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 2016-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Please see attached. Exhbits to follow by Fax. Additionally, Please refer to exhibit on Defective Notice of Default on CFPB files # XXXX and XXXX - LENDER is NOT Identified - and other matters that lend support to a deceptive practice to steal our home " with the stroke of a pen. '' Likewise, Quality Loan 's Notice of Trustee SALE issued XXXX XXXX, 2016 for auction sale against our home two days from now - XXXX XXXX - DOES NOT IDENTIFY LENDER. THANK YOU FOR YOUR URGENT INVESTIGATION and ENFORCEMENT action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

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: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe 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 monetary relief