vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.

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 2015-11-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
My identity information was used to create a credit account with XXXX XXXX XXXX through Synchrony Bank. Sometime in XXXX XXXX. From talking with Syncrhrony Bank they are going to submit forms for me to complete to remove this from my credit history. However, I am filing this information as a back up to assure Syncrhony Bank follows through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Been speaking to XXXX XXXX from Wells Fargo home mortgage. Had left numerous calls to make a payment prior to XXXX XXXX to make a payment, no return calls, received and spoke to the rep who stated she could still take the payments although Wells Fargo had me locked out. Advised I would be making payments the following week. 
On Monday XXXX XXXX, 2016 a rep from Wells left a notice on my door in which I called the number and it was for a payment. XXXX XXXX then called, while speaking to Her she had advised that Wells Fargo had submitted back in XXXX an inspection on the property. Mind you at that time I was n't even 2 months down and there already beginning the wheels rolling with foreclosure and went into explain what I had gone through for 5 years with Wells Fargo and the errors. 
I advised that if Wells was going to start foreclosure already without helping to see what happened with the title company and the calls to me telling me I had to resign my documents 6 months later to send me short sale and deed in lieu documents. 
I proceeded to tell XXXX XXXX that she really had no empathy for the position she worked. She really had the nerve to tell me why should she have empathy with me since im telling her what im doing. 
WELL LETS SEE MAYBE IF SHE WOULD HAVE RETURNED MY CALLS I COULD HAVE MADE A PAYMENT PRIOR TO XXXX XXXX AND NOT BE BACK WHERE I WAS 5 YEARS AGO. 
MAYBE IF SHE CARED A BIT ABOUT PEOPLE AND THERE HOMES AND INVESTIGATED MY CASE PROPERLY I WOULDNT BE BEING FORCED OUT YET AGAIN! 
Its apauling that Wells Fargo have people there that scream and yell. Not her. And This rep., mocking me and the whole process. 
Due to her mocking me and my situation I have asked for a new customer service representative that is n't rude, that does n't mock. 
I AM ALSO DEMANDING THAT THE PHONE CALLS BE REVIEWED AND LISTENED TO AND I WANT WELLS FARGO TO CLEARLY TELL ME THIS IS HOW THERE STAFF SHOULD TREAT PEOPLE.

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 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased some furniture around XXXX of 2015 and it was financed by Synchrony Financial. Since the loan was taken out I have been making double payments to get the loan paid off. In XXXX my computer went down and while I was shopping for a new computer and setting it up I received a communication from Synchrony Bank which reflected a {$25.00} late charge because I had not made my payment by a certain date in XXXX. How can I be regarded as late when my payoff is ahead of the game. As soon as my computer was back online in XXXX I transferred the double payment for XXXX to Synchrony Financial via bank payment. I then contacted them by phone and the person I spoke to was very unwilling to reverse the late charge until I mentioned I was going to report the action to the FTC. I was then told I could request a waiver of the late charge which I asked her to do. I do not feel confident that this happened or will happen at this point because of the attitude of the telephone contact. I do not think it is right or legal for a company to charge a late payment charge when XXXX is ahead of the game on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay sends me a promotion for a balance transfer, which I take. Immediately after approving my balance transfer, they snap a bogus charge of {$480.00} onto my account backdated three months. As this is on top of my 0 % APR balance transfer, Barclay is also guaranteed to earn massive amounts of interest on this charge. Because I can not pay off the charge unless I pay off the balance transfer ( that I had just paid the fee to take ) first. 

This is predatory banking at its finest. The charge that they billed on my account is apparently a " rebilling '' of a fraudulent charge that Barclay had earlier promised to delete for me. Now, as soon as I get a balance transfer, they rescind the deletion of the charge and add it back onto my account. They now tell me that I have to dispute the charge again, after I had already disputed and won. 

The charge that they 're trying to make me pay is a credit card charge that I never consented or agreed to make. The website billed me against my will. I never received the product or service that the charge is for. Barclay recognizes what is clearly a fraudulent charge for a product or service I never received, and uses it to their advantage to sucker punch me immediately after I take out a balance transfer. 

Be very wary when dealing with such a predatory lender. My using of the products and services of this bank has led me into much distress.

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 2016-07-22 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
A boyfriend of mine left me. I am a XXXX and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they can contact me because of word of mouth from him. They have threatened to lock me up twice. How can a company get away get away with such blatant disregard for proper placement of responsibility. They have told me that they are going to advise him to have me locked up for his debt.

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 2016-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos XX/XX/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 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Seattle Service Bureau, Inc
State: OH

Complaint narrative:
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;

Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX Customer Srvice XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX On XXXX XXXX, 2015, I was approved for a XXXX XXXX credit Card. I made a purchase of {$2300.00}. the items were deliver but the coffee table was damage. I called Marlo to have this item repair or replace. They refused. I contacted the Bank that I am disputing the charge for the coffee table ( {$90.00} ). The bank is saying that they are unable to resolve the issue because Marlo furniture has done nothing wrong. I am not asking for a free item but all I have been asking for is to have the product free of damage and not a hazard for my XXXX years old daughter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. Incorrect payment application 2. Deceptive advertising 3. Fraudulent / incorrect 4. Incorrect amortization of finance charges ongoing 5. Disregard for basic Truth In Lending Statutes 6. Misleading statements 7. Inability to access promotional charges through online interface I made multiple special financing purchases through my Amazon Prime Store Card which is provided by Synchrony Bank and serviced by Synchrony bank. 

During the course of these promotional periods, I also made normal routine purchases on my Amazon Prime Store Card. 

I have repeatedly had to message in, every month pretty much, to what I need to pay in order to avoid interest charges. I also have to request that it be applied in a way that avoids interest on my non-promotional charges. They have no way of doing this online or through the statement. On my 2 most recent statements ( XXXX 2017, XXXX 2017 ) in addition to at least 1 prior statement, I noticed that Amazon had ( without my knowledge or consent ) changed a very substantial amount of my special financing. I was not given an option to accept or decline this change, nor was I made aware of any finance charge implications or overall cost of financing. In addition, under my activity tab in my co-branded Synchrony Bank ( Amazon ) account - the system has not been able to show me my promotional balances and my statements have been incorrect and the numerous agents I 've chatted with have all told me different amounts and stories about the interest and what has happened with the account. I believe this is a systemic problem within Synchrony Bank servicing and procedure and I 'm left confused and feeling there is n't any real adherence to Truth In Lending Act or the Card Act for the matter. I am now ready to hire an attorney and seek out a class action lawsuit against this company.

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 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: MI

Complaint narrative:
Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank calls up to 10 times a day regarding a delinquent credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We purchased a new Sleep Number bed in XXXX 2013. The financing terms were 0 % interest for 3 years and the credit was issued through GE Capital Retail Bank. Having not received a bill by XX/XX/XXXX the following Spring, we called GECRB to see where things were. We were then informed our payment was not only due but the previous month was not paid and account was now delinquent. We immediately paid the bill and requested a bill actually be sent to us so auto-payments could be setup. The ensuing month 's bill ( XX/XX/XXXX ) arrived after the due date and again more late fees were applied. We called on this again and set the auto-payment to the billed amount. Later, we discovered GECRB also charged interest on the wrongly applied late fees and by that XX/XX/XXXX we paid an extra {$150.00} in more wrongly late fees. Auto-payments continued, however the interest on the wrongly applied late fees continued to build again with more errant late fees over the next 16 months resulting in GECRB ( now renamed Synchrony Bank ) demanding {$750.00} in late fees. Only this time, Synchrony Bank wrongly reported the account delinquent with the Credit Bureaus thus dropping the credit scoring. Despite evidence of all payments made and on time. We attempted to work with Synchrony Bank and submitted bank generated reports showing all payments with corresponding dates proving no late payments, however they have refused to remove the incorrect information to the Credit Bureaus or refund the over {$1000.00} in wrongly applied late fees & interest. Instead, Synchrony Bank responded by increasing the minimum payment due. We have disputed this with the Credit Bureaus only to find they consider themselves powerless when a Creditor chooses to send incorrect data to them. Synchrony Bank continues to refuse to make changes to the Credit Bureaus for this XXXX account. The Credit Bureaus have recognized a perfect credit history ( 20+ years ) and this one account is " out of character '' due to the only one ever in negative status. When an explanation is provided, it matches with the " expected '' behavior of someone with perfect credit. Yet, Synchrony Bank is unwilling to make changes to their incorrect reporting, despite the report evidence.

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.

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