vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX all of my debit cards where hacked into and someone tried to purchase numerous items including monthly arch payments. I did complete a Fraud Alert for 90 days on XX/XX/XXXX. ( XXXX is the 90 days grace period to be removed ). On XX/XX/XXXX someone open an bank account with Synchrony Bank and tried to applied for credit. The application was declined and it was reported to XXXX Credit Bureau. On XX/XX/XXXX ( approx time XXXX am ) I called the credit department with Synchrony Bank at ( XXXX ). I talked to representative XXXX he asked for my social security number, I informed representative XXXX whoever open this account was a hacker therefore, I could not provide my full social security and suggest I could provide the last four for his verification. I told this representative XXXX I did not want to provide my full social security over the phone it would be stupid for me to provide my full social security when I did not open this account. Whoever open this bank account did this illegal with my social security number. I never apply for a credit card or open an bank account with Synchrony Bank. I asked if he could remove this inquiry with XXXX Credit Bureau and close this bank account. Per representative XXXX he had to have my full social security number to check my account. This representative did not understand my request to remove this inquiry from Synchrony Bank with XXXX credit bureau or close this account he kept asking for my social security which, I told him on numerous time someone hack my personal information from my banks, obtaining my debit cards information which could include my social security number I did not open any account from Synchrony Bank. Per representative XXXX he could not assist me to remove this inquiry from XXXX Credit Bureau or close this account until I provide my full social security number to verified my account. Again I explained to representative XXXX I did not open a account with Synchrony Bank, however he still did not understand my request and would not accept the last four digit of my social security for his verification methods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
This account has always been on autopay for minimum balance or higher to protect against late payments. Despite this, and despite my long history of being a good consumer with this bank, my credit report is erroneously showing late payments in XXXX XXXX and XXXX 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 2015-10-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On my XX/XX/2016 Amazon Store Card Statement issued by this bank I was overcharged by {$260.00}

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 explanation
Consumer complaint received 2016-02-06 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:
I applied for credit at CONN 'S XXXX in XXXX 2015 My Name is XXXX XXXX XXXX, They put the credit in my former name XXXX XXXX, credit I had with them 15 years ago and paid it off. I have new credit with them and they are harassing me calling more 10 times a day because of late payment due on the XXXX of each month I am only 3 days late, they call before due date and after saying friendly reminder, I am a XXXX XXXX XXXX woman and this raises my XXXX, I told them that I will pay my bill on the days that I get my money, they still call like crazy XXXX. all day.What can I do to stop from calling me everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I. XXXX sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by Wal-Mart, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX regarding this matter. 


ISSUE : This firm stated they were retained by Wal-Mart. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.

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 2015-05-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I did receive feedback from the Synchrony bank XXXX, expires XXXX/XXXX/2018. that they were contacted by consumer finance government. I am still being sent a bill claiming that I owe the bank {$35.00}. It might have been reduced to {$9.00}. There was no change reflected on my bill. Please contact this bank again. I do not owe this bank any money from purchases made on the bank. This bank is charging me for insurance which was never purchased or used. I am simply a shopper at Amazon. 
XXXX XXXX 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
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Called Synchrony Bank for my Sam 's Club MC XXXX regarding password account access issues. Account rep transfer to fraud rep who argued w/ me regarding my use of a password generator. I use generator for management & generation of passwords for my protection. Fraud rep told me that I must make password that I can remember. My argument is I use generator because of total random nature of password of XXXX characters. Also that if I must use something simple as fraud rep is telling me, I can not be help responsible for issues relating to my account due to easy to hack passwords like XXXX #!. And if that is the case, I should close all of my accounts with Synchrony ( ALL SARCASM ) which fraud rep took as literacy! At that point, call dropped as call was being made on my cell phone. You would think fraud rep would call to confirm, but according to a supervisor named XXXX it is to much effort on the part of reps to call customers and do such things like confirm such drastic actions, like closing ALL SYNCHRONY ACCOUNTS! I also have documented with XXXX my mobile carrier that I have call issues at home. This fraud rep, can according to a rep, because he has the power to do so, close all of my accounts. And I have to call and fight to have this all reversed because he could not call and confirm such a drastic action. More so because it seems that he disagreed with me on the password issues and doing things how he was telling me and that I would NOT submit to him. So he went on to teach me a lesson. It seems that I was just to bow down and do as he instructed like a good lil woman should. Then my calls to correct this were met with it is all my fault because people do no understand sarcasm in an argument anymore.

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 2016-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
LOST JOB.. LATE 1 MONTH, NEXT MONTH PAID 2 MONTHS PAYMENT PLUS FEES. XXXX INTEREST ON PROMOTION TELL XXXX/XXXX/17. SYNCHRONY BANK SLAPPED {$270.00} WORTH OF FEES ON BILL. LOST JOB WENT ON PROGRAM ... NOW HAVE CASH TO PAY OFF PROMOTION. SYNCHRONY BANK WILL NOT WITH ME AND ARE GETTING READY TO HIT ME WITH DEFERRED INTEREST.

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: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have disputed XXXX accounts that SYNBC has been reporting to the credit bureaus and SYNBC violated the law on both accounts as explained in attached letters. 

I am making a goodwill attempt to have this worked out without any monetary compensation. If SYNBC does n't take care of it in to my satisfaction in a timely manner i will sue them in small claims court near me and they will need to pay me for damages.

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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a Amazon Card through Synchrony Financial. I had a {$700.00} credit limit. I made my monthly payments until I could n't in XXXX of 2016. A rep from synchrony called me in XXXX of 2016 and we set up a repayment plan for six months so I could get my card back on track. Every Month through the six months the payment was a little more than the last. Well come to the end of the six months my account is still delinquent and closed. The rep told me that when I finished with the XXXX payments my account would be current, the late fees would stop and I would start making the usual monthly payments. I said ok. Well come to the end of the six months I talked to someone at Synchrony and they said that I was still {$170.00} behind and they keep putting late charges towards my account and they have closed my account. I told them what the rep told me when we started the repayment and they said that she should n't have said that and that you still have to pay all of this to get your account current. I refuse to pay this due to them telling me that it would all be current after the XXXX payments. I did n't set the amount to pay they did and I did n't set the length of time to make these payments they did. I just want them to make this right.

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 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in XXXX seperate payments just in XXXX alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and transfer fee, the payments never get applied. I want everyone who reads this that this offer is nothing but a scam and that anyone who attempts to pay down their balance transfer will never get it paid off since payments mysteriously disappear and are not applied to the account. I have a friend who works in the banking industry and has put me in contact with the Securities and Exchange Commission as well as the Federal Reserve. They as well as my attorney are very interested in this illegal activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Credit Care cancelled my credit card do to inactivity. This has affected ( lowered XXXX my credit score. I had do nothing wrong and had no late payments etc. Symphony Bank said my other card XXXX would also be cancelled do to non activity. This has large credit availability and will further effect my credit score. They want me to use my card and for them to collect interest or suffer the consequence. I see no other reason to cancel an account if it was and is in good standing, never late and paid the balances on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 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 went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
still having problems with amazons bank-see my letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone is using my credit cards and is opening up new credit cards and bills

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 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my Phillips 66 Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Phillips 66 Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

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

Company response to consumer: Closed with explanation