vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit/Synchrony Financial opened a new, additional Care Credit account without my knowledge or consent. Synchrony claims to have mailed " opt-out '' instructions for new MasterCard accounts, which I have never received. My existing account is still active, and now there is a second, separate account that has been created which I had no previous knowledge of. Upon contacting Synchrony Financial/Care Credit to ask why an additional account was opened using my information without my knowledge or consent I was informed that they believe they are legally allowed to do so because of their " terms & conditions '', even though I have never given permission for a brand new account to be opened. I stated multiple times that I had never consented to a new credit account being opened and was told it was " temporarily open '' and that there was nothing I could do about it. When I stated that I never received any communications regarding a new account being opened and did not want the new account, and that I had never legally consented to any new Care Credit accounts to be opened in my name I was told that my only option was to " not activate the new card '' and that they would continue reporting the new account to the credit bureaus for the next 120 days. When I stated they should not be reporting XXXX open accounts to the credit bureaus because I only had XXXX authorized open account with them and have explicitly informed them that the XXXX account was opened without my knowledge or consent I was told to " dispute it with the credit bureaus. '' No attempt was made at resolving the fraudulent account or the impact it will have on my credit.

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 2016-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Initially in XXXX XXXX i was notified of XXXX fraud applications submitted through SYN financial for Walmart and Lowes which resulted in XXXX inquiries being placed on my credit report. I received help to initiate a fraud claim with the creditor and was informed the applications had been declined and this info would be forwarded to all XXXX bureaus to have removed from my credit file. We allowed the 90 day time frame to do so and received no help or communication from Synchrony and in XXXX of XXXX we called to get an update on why they were still reporting on my credit file ; I was informed that no claim for fraud was ever submitted and the process would have to be resubmitted. Informed again by rep from Synchrony, once fraud claim initiated, the info would be fwd to the XXXX bureaus to have removed ; I began to work with an investigator from XXXX who helped me to also began disputing this info with XXXX and they informed us they could not remove the inquiries due to the creditor having to issue a claim to have removed. They stated until we received either confirmation in a letter to send over via fax or the creditor submitted dispute to remove because of fraud that the inquiries would stay as is. On XXXX/XXXX/XXXX we attempted to get another update on the claim that was submitted for fraud with SYN financial and was informed for a 3rd time the claim was never initiated and would have to be sent over again. No logical explanation was given for why the claim has n't gone through, if I have called to report twice and why also no letter can be sent out to confirm that i have been a victim and the applications have been rejected due to fraud. It has been almost a year and nothing has been done from Synchrony Financial or XXXX to assist me with getting my identity restored and I am left to figure this all out. The creditor is never helpful or can give any informative info about all the issues I have had and even after requesting to speak with a Supervisor ; I received the same unhelpful info that they will try to resubmit the claim again. I did my part by following up from the very beginning and continue to follow up with this creditor to give me the help i deserve and have received nothing but information that does n't make sense.

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 2017-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
PAYPAL CREDIT IS ALWAYS CALLING AND HARRASING ME AND MY FAMILY.

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 2015-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried to make a purchase, my card was declined when I called I was told that my card was charged for the purchase and charged several times for the purchase and they refused to refund the money, they also refused to check all previous transactions to check if they have charged me several times on other transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX XXXX, 2016 Synchrony Bank contacted my work at in regards to a Walmart credit card that I am late paying on and I have proof of the number and time of this violation as all inbound calls are saved at my work. This is a violation because I am not allowed to receive personal calls at my work. I work at a XXXX and they know I 'm not allowed to take personal calls while working in a XXXX on a XXXX basis. It 's a violation of my job 's policy. They did not follow proper procedures because they knowingly contacted me at a time they knew was inconvenient for me, regardless if I told them to do so or not. They have also been calling my phone with unknown caller id 's and leaving me automated voicemails to call them back. I have saved my phone records and voicemails for proof.

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 2015-06-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Good morning, In XXXX of this year I noticed fraudulent charges on my XXXX XXXX credit card. I called the credit card company and advised them of the charges and closed the account. It was quite obvious to see that the charges were not mine. I have a very consistent record of purchases, dollar amounts and purchase locations. The phone representative said he could easily see the charges were not made by me. He told me the card was closed immediately and that no more charges would be put on my account. I told him I did not want another credit card reissued. I then paid my legitimate card purchases balance to take the account to XXXX. I received a confirmation letter that the account was closed, dated XXXX ( letter attached ) In XXXX I had to contact the XXXX XXXX again as they were trying to collect from me the fraudulent charges. The XXXX XXXX phone rep stated the account was closed and they were investigating the charges and I would not be charged any additional fees. I received another letter stating the account was closed dated XXXX ( letter attached ). 

On XXXX ( letter attached ) I received another letter stating the fraudulent chargers were being investigated and no payments would be required. 

On XXXX I was shocked to receive another bill from XXXX XXXX with a NEW charge on XXXX and late fees and interest charges. ( statement attached ) How can they charge me all these items for an account that has been closed since XXXX? I feel this is an attempt at XXXX abuse. This matter has caused me tremendous stress and worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
on XXXX XXXX 2014 synchrony bank put a hard inquire on my credit report without my consent i have never tryed to get anything from synchrony bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
I received a letter from Convergent Outsourcing , Inc. stating that I owe {$100.00} to XXXX. I explained that I do n't have a XXXX account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time. 

I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void. 

Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}. 

I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA. 

SCS representatives also failed to notify me that the call was recorded, which is required by California penal code. 

I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act. 

In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I was a customer of XXXX. I had XXXX since 2001. I was contacted by XXXX for being a long time customer that I was offered a package deal to receive an extended amount of channels to watch. But I had to cancel the program before XXXX or I would be charged the price of the package. So I accepted the terms. I did in fact Cancel the package before the end of the program, but was still charged the package price.It has been over 4 years since this has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Two issues : First, I have received a letter from Sunrise Credit Services , Inc. regarding a balance due to XXXX. I called this agency to tell them XXXX should not be charging me anything due to their own errors, and the representative - XXXX XXXX - hung up on me. 
Second, XXXX is a very bad product because their representatives can not access information and provide assistance without keeping you on hold for long periods of time. In our case, we were moving and XXXX could not provide us with the same service we had at our previous location so we were changing providers upon our arrival at our new home. XXXX disconnected our service prematurely, and when I found out, they established a totally new account in order to reconnect us. I called several times with information and requests for assistance regarding our account and the errors that had occurred, but the attempts were always futile. If we owe XXXX anything, which I do not believe we do, they should write it off because their company and their representatives could not fix the problems they created themselves.

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 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: KY

Complaint narrative:
Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: MD

Complaint narrative:
The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.

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