vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX has default judgment against me for a GE Care Credit Card debt. I was NOat served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for GE Care Credit I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years GE reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it. 

I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information. 

Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney. 

I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been receiving bills for care credit. I received a letter from a collection agency stating that I have a balance of {$4800.00}. I contacted the company directly when I received the first bill and wanted to know why and what I was being billed. They told me that the dental office I was going to applied for the card. I advised them that I never received a card nor did I apply for a card. I asked them to cancel it as I never applied for it. They stated they would look into it. that was back in XXXX. I am still receiving bills. I contacted them again today and was advised they would have someone else contact me. I have been trying to get this issue resolved from the first bill but still to no avail. Someone else 's name along with mine is also on the letter and the bills that I 've received from care credit and the collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor 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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove 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 2016-07-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # 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 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account

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 2017-02-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.

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 2016-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Assist Plus LLC
State: MS

Complaint narrative:
I spoke with XXXX XXXX at XXXX Loan Consolidation on XXXX XXXX, 2015. He assured me that once I went through the process and paid {$590.00} to consolidate my loans, they would pay my loans off. I would pay $ XXXX/month. I have been paying since XXXX 2015 and contacted XXXX to discuss my total loan amount that I saw on their website. It was {$2000.00} more than my initial amount and they told me that my loans had not been paid since XXXX 2015.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We opened an account through XXXX XXXX and were told it was XXXX months same as cash. We set up an automatic payment that was more than enough to pay off the account in less than 18 months. My wife checked the account balance shortly before the XXXX months was up and paid what would remain after the following automatic payment of {$200.00} to close out the balance. 

XXXX months later, we received a statement that we owed {$29.00} and were late. The minimum payment was {$2.00}. The first business day after receiving this notice, I called and explained the situation to the man that answered the phone. They immediately credited the {$29.00} and I told them that my wife would contact them when she had more time to address the interest issue. He took my wife 's name and told me she would be able to discuss anything with them. 

Then today, we saw that they reported us to the credit bureaus as a 30 day late of {$2.00}. We had never received any other notice but the one that arrived last week. They claim to have called and emailed, but neither has happened. The manager that my wife spoke to today, after XXXX phone calls to have her authorized on the account because they did n't do that correctly yesterday, claimed that they had mailed us notices. When my wife asked where they mailed them, she told her that she could n't provide that information. She could n't tell us our own address? 

She also falsely claimed that our account had n't been paid consistently, even though the exact same payment amount had been applied every month that the account was open until the last payment was made. 

They refused to do anything at all to remedy this for us.

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 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at 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 2016-09-30 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
I was sued with judgment from a collection agency Eichenbaum and Stylianou- XXXX XXXX. I did begin paying after receiving documents filed in XXXX and threats via phone by the company representative, XXXX XXXX XXXX that there would seize everything in my possession and be a lien and garnishments from my bank account and However, on XXXX XXXX, XXXX I received another letter from a different agency for the same collection. This peaked my curiosity. So, I then contacted the phone company which no longer had records of this bill from XXXX. I contacted E & S advising that I would cease payment that the phone company had no records of and that another agency was also trying to on for a different amount beacause I had felt that this had seem fraudulent. In XXXX, a judgment was entered for {$1700.00} for breach of contract. In which I was unemployed at the time. However, I was told that I still must submit a payment.. I contacted the courts and submitted a letter to the court and E & S advising of my employment status. 
In the past year XXXX E & S now changed to XXXX ( XXXX XXXX ) has contacted my relatives looking to collect this debt. My address has not changed. This debt is neither in my credit report nor in public record. A few days ago I received a letter for garnishment of wages. So, I contacted my local court whom advised that the docket has not changed since in over 6 years - yet their letter refers to the docket from when it was filed XXXX and updated in XXXX. So, I really do n't find their collection practice as being legal as 1- the phone company has not record of this. 2. Another collection agency was trying to collect on it. 3. Courts has no updated info regarding the suit nor of a garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Northrim Capital Investments Co.
State: IL

Complaint narrative:
Sir/Ma'am, In XX/XX/XXXX 2013, we were living XXXX due to a military change of station. Due to dropping mortgage rates, we decided to refinance our house XXXX. We used a company called Residential MortgageXXXX. The company representative who helped us is named XXXX XXXX, Loan Originator License XXXX. The Title Company was XXXX and the Escrow Officer was XXXX XXXX. She is no longer with the company. The issue is that we did everything across email and conventional mail. We recently discovered that my wife 's name was removed from the Deed of Trust and that part of the XXXX page packet we signed included a Quit Claim Deed. Until one week ago, neither XXXX of us knew what a Quit Claim Deed was. This part of the packet was not explained to us. My sister-in-law, who is a mortgage broker, just explained it to us. When I called XXXX earlier this week to ask why we were asked to sign a Quit Claim Deed, she could not remember why. Because I am in the military XXXX ( 5 times in the last 9 years ), I am worried that a lender did not disclose to my wife and I that she was being taken off the Deed of Trust in a refinance. Thank you for your help. 
Respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Accounts paid as agreed remain on your credit file for up to ten years from the date of last activity ( DLA ). My XXXX Bank credit card was closed XXXX and XXXX refuses to delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a {$900.00} purchase using my care credit card. I was granted 12 months of interest free payments for that transaction. Once that promotion ends, I would be charged 26.9 % on the remaining balance. During the course of the year, synchrony bank took over Care Credit. On XX/XX/XXXX, my balance was down to {$350.00}. This company charged me 26 % on the original balance which is not on the terms I agreed to when I first joined this company as Care Credit. I contacted Synchrony and the rep told me that she could n't tell me my new interest rate/agreement. I told her this was deceptive as I had not signed these terms nor agreed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Received a call from Synchrony Bank today that my credit card issued by them was used fraudulently ... this is the second time this month I have got a call from them that my credit card issued by them ( XXXX different cards - XXXX is my Walmart card and the other is my Toys r us card ) was used fraudulently. I had XXXX cards still in my possession and the charges that were made were far from my home. I am concerned at there is a data breach at this bank. I have not heard anything in the news about this bank and the customer service rep helping me did not give me any information but this seems more than coincidental to 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 2015-10-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XX/XX/XXXXWe opened our account a few years ago with Walmart. We paid consistently on our account until we lost our house XX/XX/XXXX. We made contact with the credit card company ( synchrony bank ) and they said there was noting that they could help us with unless I had lost my Job. They called our house several times a day/night and would leave messages on our voice mail almost every time, they would also call my cell phone multiple times a day and leave messages on it. We started to get things back on track, then my father passed away XX/XX/XXXX, again we made contact with them and again they said there was nothing they could do unless I had lost my job, even with the insurance that I paid for that the credit card company provided. Again the calls continued 2, 3, and 4 times a day at my home and on my cell phone. We told them to stop calling us and harassing us and they ignored us. We then received a letter from the credit company saying that they needed payment or that they were going to take us to court. We agreed to pay {$25.00} a month. Then we received a court notice saying that they needed a letter, explaining in written what we owed with in 21 days. I guess that the card company does not keep agreements that they say they 're going to keep. I have learned that there is a government agency that helps consumers with companies that abuse Federal Regulations such as the Dodd-Frank, The FDCPA, The FTC, The TCPA and The TILA called the Consumer Financial Protection Bureau. This letter is also being sent to them XXXX. 
Consumers should not feel threatened by big companies calling multiple times a day and that have XXXX Attorneys to intimidate the little people. We agreed to pay {$25.00} a month on our account of {$1300.00} and that 's what we 're going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
this was resolved with the hospital on XXXX/XXXX/XXXX. they retracted their letter to the collection agency and as of XXXX/XXXX/XXXX the collection agency contacted the credit bureau without approval from the hospital. the hospital said the collection agency had to wait 60 days & send notification to me before contacting the credit bureau. My XXXX score took a nose dive due to the aggressiveness of optimum outcomes inc out of XXXX il

Company response to consumer: Closed with explanation