vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My accounts with XXXX and Walmart stores are both past due/ over limit respectively. Unfortunately, I 've fallen behind on them as well as other accounts not related to Synchrony Bank. The minimum payment due on each account is more than I can afford and have made payments, attempted to honor them, ended up having to place a stop payment on them in the past. The minimum payment due will have to be lowered some how, I can afford around XXXX a month. There are payment options offered when making payment on web-site, however, the amount ( s ) requested are no where near XXXX a month and or do not avoid any over limit fees or other fees.

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 2016-03-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I stopped making payments on a XXXX credit card in XXXX 2015 due to underemployment at the time. In XXXX 2015, I got a part job and began attempting to catch up on past due payments from a number of accounts. In XXXX 2015, I was contacted by a third party collections company working on behalf of this GapCard named XXXX XXXX XXXX. I was informed that a payment of approximately {$200.00} was due to bring the account current. I told them that I was unable to pay that amount at that time, but that I was willing to begin making payments. They then asked me how much I would be able to pay, and I responded with about {$50.00}. I was placed on hold for a few minutes and when they came back on the line I was told that by setting up 6 monthly post-dated check payments of about {$70.00}, I would have the account current at the end of this period. I assumed that the account was in collections at this time ( since I was speaking with a collections agency ) and I agreed, assuming that those payments would go towards paying off the principal balance.. I subsequently learned, some 4 months, and {$270.00} later, that these $ XXXX monthly payments were nothing more than the bare minimum needed to cover interest and late fees on the account to prevent it from actually going into collections, and what I thought was a payment plan on a settled upon balance, was little more than money thrown away. My balance is no smaller than it was 4 months ago, and my minimum payment to bring the account current is now {$250.00}, some {$60.00} more than it was before I payed {$270.00} to this creditor. I was not just mislead, but lied to, and tricked into entering into what would have been a never ending payment plan. There is no way I would have ever knowingly entered into such an arrangement. I would have just let the account go to the courts and entered into some sort of arbitration to pay off the account. I spoke to someone at GapCard today and they said they would " file a complaint '' against this collection agency, but frankly I do n't trust them, and certainly do n't expect to see my money back. I would like some help. I can only imagine that this is happening to other people and it definitely needs to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
JCP Payment Screen/Account Summary ( first screen once logged into account ) is deceptive and has cause me financial harm, thereby being abusive by CFPB terms. 

There are XXXX choices to choose from to make a payment, non of which state that your account may be delinquent. Per the representatives that I spoke to today, XXXX/XXXX/2017, ( lastly was XXXX in collections ) my account was delinquent even though my payment history would reflect otherwise. My monthly amount due went from {$68.00} to {$190.00} due to being " delinquent '' - something I only found out by calling and speaking to both representatives. I had been charged XXXX late fees {$37.00}, {$37.00}, {$27.00}. I was told that I missed my XXXX payment, however in XXXX I made XXXX payments to correct the missed payment as I did not know that I had missed the payment. 
I was never advised that by doing so, I would still not be bringing my account current. I have been using my card without issue once payments have been made. Per the account payment screen, if I click option XXXX, I make my minimum amount due payment- which I do monthly. 

I believe that the " delinquent amounts '' should be shown on any XXXX of the XXXX lines of options to pay each month. 

While XXXX did waive XXXX of my late fees, I am still very dissatisfied with the fact that I had to make a {$59.00} payment over the phone to bring my account " current '' and no where on my account page did this amount show past due. 

I have been a loyal customer of JCP for years and I feel taken advantage of and sadly believe that the only reason I had XXXX late fees waived was because I understand UDAAP and was able to explain the Deceptive and Abusive features of their online payment system. For others without this knowledge, I fear they are being taken advantage of. 

I am very unhappy and will no longer be shopping at JCP. I will work monthly to pay off my account. I was told by both representatives that they would place a " complaint '' in their system. 
I too am placing a complaint with the CFPB to ensure that this abuse does not continue and harm others.

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 2017-02-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
have attempted to set up a monthly payment plan online with Barclaycard ( XXXX credit card ) and still received payment due emails. I thought I had made a mistake in XXXX, but now I know there is something faulty on their end. Today I received an email saying I had missed my payment, but I am sure I made the payment online before the due date. I can assure you that my credit is close to perfect, this company upgraded my credit line from XXXX to XXXX grand on their own, which shows that I am responsible. I tried to ask that they work with me, but in order to help me I have to have a confirmation number which I did n't think to print. I talked to XXXX in XXXX Nevada at XXXX XXXX today XXXX/XXXX/17 and was told that nothing could be done, I was simply stuck with a {$27.00} fee. He informed me that he sees a log in this month on the XXXX and he can usually see what I click on, but no payments or attempts were done. Soon after the call I payed the whole balance of {$1100.00} and made sure I took the confirmation number XXXX. This shows that I have had the money and do n't want to mess around and get stuck with extra fees. They are obviously having technical issues and think is unfair.

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 2016-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. 

I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. 

I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. 

I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited {$240000.00} into Synchrony Bank Acct. XXXX. In XX/XX/XXXX, I requested that the account be closed and the balance ( {$250000.00} ) be paid to me. I never received the funds. The customer service rep ( XXXX ; XXXX X XXXX ) told me that the check was signed by me and returned to XXXX. They did not know what to do with it and could not contact me because the account was closed. To date, this matter has not been resoved and I am seeking payment of the funds owed 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 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
My Barclays credit card went missing, I explained this many times on the phone and sent many faxes they requested and in the end they now stick me with the bill. I did n't buy anything and I 've never heard of most of those places. I talked to some arrogant guy on the phone and he said they had me recorded saying it was n't fraudulent charges a tthat time, but that caller was n't me. 

Anyway I did n't make any charges on my Barclays Mastercard since XXXX XXXX, and I 'm billed something like {$6000.00} I will of course never pay and I get bad credit because of the incompetence of Barclays.

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 2015-08-20 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: NC

Complaint narrative:
XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about it.

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 2016-12-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement 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 2017-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.

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 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! 

I have never received a statement from Conns. I have never received a payment book. 

Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. 

Please fix my credit report because of your errors in the payment process

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX, I took out a line of credit through Synchrony Financial in order to purchase a new mattress. I committed to making a {$200.00} payment each month in order to pay off the loan before the promotional period of deferred interest/no interest ran out. I made a {$200.00} payment after receiving my bill in both in XXXX and in XXXX. In XXXX, my statement arrived after the bill 's due date of XX/XX/XXXX. I believe the statement was mailed late on purpose in order to charge me a predatory late fee of {$27.00}. 

On my XX/XX/XXXX statement, the late fee appeared with a past due amount. I made a {$400.00} payment in early XXXX ( for my XXXX and XXXX payments ) but instead of paying off {$400.00} toward my balance, {$27.00} went to pay the unfair late charge. I enrolled in Autopay after this incident because I no longer trusted the company to mail my statements on time.

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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dicks Sporting Goods credit card, Synchrony bank. Charged a fee for a " optional debt cancellation product '' called " Card Security '' as to which I never willingly participated in.

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 2016-12-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.

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