vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 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: M.A.R.S., Inc.
State: TX

Complaint narrative:
I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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:
I do n't even know where to start. I 've done business with GE Capital Retail ( now Synchrony ) in the past, and always made my payments on time. When I stopped using the credit cards, I cancelled them. I have several closed positive accounts with this bank ; however there were a total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart XXXX, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report, and thankfully is n't reporting with any of the other bureaus. These accounts were opened during a time when I was living and working in XXXX Maryland. 
The Lowes card was removed from all of my reports, so I do n't have an issue with that account. 
Home Design was opened without my consent resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. Portfolio Recovery did remove, however SYNCB/XXXX is still reporting. 
The Walmart XXXX was reported fraudulent in XX/XX/XXXX! It was closed and then reopened without my consent, resulting in a charge off and being sold to XXXX XXXX. I requested XXXX XXXX close the account, and cease collection. I provided them a police report and theft affidavit. XXXX XXXX did remove, however SYNCB/WALMART DUAL CARD is still reporting. 
Old Navy is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. 
PayPal is currently reporting a charged off account to all XXXX credit reporting agencies. This is not my account. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/PAYPALSMARTCONN are reporting as derogatory on my account. 
The Amazon account was reported fraudulent/stolen and was closed in XX/XX/XXXX when I originally discovered it. For some reason it reopened, and I was not made aware of it. The account has since been sold to XXXX XXXX resulting in another derogatory remark on my credit report. Both XXXX XXXX and SYNCB/AMAZON PLCC are reporting as derogatory on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
TJX TJMAX said that I have an account and I told them that it did not belong to me. They have since destroyed my credit report and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies XXXX of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. XXXX XXXX XXXX was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on XXXX/XXXX/16 for {$3000.00} on the statement says XXXX XXXX XXXX XXXX WA, and the second charge on XXXX/XXXX/16 for {$3500.00} on the statement says XXXX XXXX XXXX WA. I realized I paid XXXX of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

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 2016-08-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
synchrony bank closed by Amazon card account and has not provided me a letter stating the reason. I want a letter stating the reason the account was closed.

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 2015-09-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I brought appliances from XXXX XXXX XXXX XXXX ... .and opened up a store credit card from them. They approved me and said I would get a card and Bill in the Mail. I never received the credit card but I received the bill around a week ago so I wrote a Check for {$350.00} and mailed it Certified. ( I want to pay the total bill off ASAP. ) So today I get a call from the bank that issued the card and they said I owed a payment. They had not received a payment. I told them they received the payment I had tracking and I asked to speak to their supervisor.I know they received the payment on XXXX/XXXX/16 because I was able to pull the Certified ( tracking ) information up from the Postal Website. I was not given a supervisor because these customer service agency was in XXXX.Annoyed now I told them I would file a complaint and I wanted my payment to be posted to by Bill ASAP. 
the Certified Mail # XXXX was received XXXX/XXXX/16 with a check for {$350.00}

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 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
An Amazon.com Store Card was successfully opened without my knowledge or consent. A XXXX Amazon.com Visa Signature Credit card was attempted to be opened in my name ; however, was declined due to " obligations too high relative to income. ''

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
While on vacation in XXXX in XX/XX/XXXX, our credit card number was stolen and used to make purchases on XXXX and XXXX. Barclay Mastercard contacted me and asked if the purchases were mine, they thought they were fraudulent, and I told them NO they were not our charges. We contact XXXX and they confirmed that the charges were not ours and that they could see another person 's email account was used to make the purchases. Barclay took the charges off, then a few weeks later they sent a letter and said they put all of the charges back on our credit card. I have called them about 7-8 times and spoke with XXXX, a manager, and XXXX, in the fraud investigation. XXXX told me on XX/XX/2017 that he is a manager and would take care of the charges and make sure they are taken off. It has been 2 weeks and he never called back and has never addressed the issue. Everytime I call, no one knows what is going on and no one will help me. Attached is the contact name for XXXX at XXXX. XXXX XXXX Case # XXXX ; Fraud claim with 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 non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I signed up for a department store credit card and registered for online account as well. I received some personal financial notifications from them in the form of emails and noticed that those documents are not secured. They are available for anyone to access and see my personal information which includes full contact information and some of the credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Ever since Synchrony Bank took my BP Visa Credit Card from XXXX XXXX, I 've had nothing but trouble. I think I finally figured out their scam. By not allowing customers to make payments online, due to what they call " technical errors '', and denying use of the credit card at critical times, Synchrony Bank stands to rake in most likely, XXXX from unsuspecting clients. I 'm hoping the CFPB will be able to look into the practices of Synchrony Bank. Why their webpage is down so much, why when I schedule a payment their site denies it, or just schedules it on the next billing cycle. This institution seems to be controlling what, how and when I use my card, then lets the balance linger through " technical issues '' until they can charge another interest fee which is non-negotiable. Is it because they offer the gas rewards they feel they can ripe off the consumer? Sounds to me like there is something going on with Synchrony Bank.

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 2016-03-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was sold a Zero % interest plan ( for 2 years ) in store by XXXX / Synchrony Bank. It turns out this is a deferred interest plan, which is not what they tell you in-store, of course. Now, at the end of the promotional period, I 'm hit with a massive bill ( charged at 30 % ). They claim they 've given me this deferred interest information in my monthly e-statements, which I have to log in to the website to see, but in their monthly communication, the bank gives you all of the information one needs in the body of the email ( statement balance and last payment ), so one would never log in to the website to check. 

While I 'm sure they have all of the their legal I 's dotted an T 's crossed and I should have been more diligent, rather than just listening to their " zero interest '' pitch, they are hoodwinking unsuspecting consumers and engaging in predatory lending.

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 2015-10-08 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. 

The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 

2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. 

The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
{$20.00} cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank XXXX said I have to pay purchase balance to XXXX before any of the payment above minimum will be credited to cash balance.

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed

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 2016-02-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Promotional rate fraud Synchrony Bank I opened a promotional credit account for the purchase of a treadmill. tI paid the exact amount necessary to pay off the treadmill before the promotion expred. The card applied my payments to non accruing interest instead of principal and then hit me with deferred interest charges which exceeded the cost of the treadmill to begin with. I was never notified of any promotional rate expiration as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the XXXX Credit Reporting Agencies.

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