vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I began shopping for mortgages and applied through several lenders. XXXX, Sebonic Financial ( NMLS # XXXX ), seemed to be a good online option. The broker, himself, was actually very pleasant to work with. However, as part of the application process, Sebonic requires a credit card to hold funds for an appraisal. I applied on XXXX and received an email that an appraiser had been assigned on XXXX. In that email it said that I needed, as the borrower, to schedule to have the appraisal done within ( 7 ) days. However by XXXX the appraisal had been assigned and conducted, without my or my agent 's knowledge/authorization. It is also worth mentioning that I informed Sebonic the same day that I had signed with another lender, whether or not that 's a coincidence or not, I 'm not sure. Additionally, at no point had I signed an intent to proceed with Sebonic. I have since been charged as appraisal fee of {$430.00} and told that is a non-refundable charge. I 'm not an expert in the mortgage process but this strikes me as a serious ethical issue requiring a refund of the appraisal fee immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a SYNCB/WALMART DUAL CARD. Unbeknownst to me, my credit line was erroneously lowered back in XX/XX/2014 from {$8000.00} to {$1500.00} without any notification. This has had a negative affect on my credit and FICO score, despite both being high. Still they were adversely affected. I am requesting for the original credit line to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Pleas be advised, I am requesting that XXXX XXXX XXXX XXXX reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] XXXX XXXX XXXX XXXX has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )

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 2015-05-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
HH Gregg advertises available financing on their website in XXXX easy steps. This would lead the average consumer to believe after being approved, they could immediately purchase items online. However, HH Gregg has advised their financing company, Synchrony Bank, not to disclose the account number to the applicant prior to the applicant receiving their card. Synchrony Bank will only provide the account information to HH Gregg staff. This prevents a new applicant from immediately utilizing their credit & obtaining all available discounts online. Furthermore, Synchrony will not release account number to customer even after purchase is made if requested prior to 14 days after application approval. This practice is deceptive and unethical. HH Gregg & Synchrony Bank are colluding to extend credit to consumers, and then withhold information pertaining to that credit once approved for an extended period ... in an elaborate scheme that essentially boils down to petty price-fixing. When contacting Synchrony Bank to obtain account number for online account setup AFTER making an in-store purchase with HH Gregg but prior to receiving the first statement/bill, they advise they can not disclose the account number. When asked why, they explain " it is the policy '' repeatedly. When pressed why that is the policy, their only explanation is " because that is what HH Gregg has requested ''. To offer credit online and not disclose that the line can not be immediately utilized online prior to the application - that is fraud & deception. To extend credit to a borrower and then refuse to disclose the account number to the borrower for 14 days ... may not be illegal ... but it certainly is n't an ethical business practice. If the excuse is security, that excuse is quickly eliminated since in-store purchases can be made immediately upon approval utilizing the same information you would provide over the phone to obtain the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I signed up for a promotional sales with Synchrony Financial through home design store with a credit limit of {$3000.00}. I went ahead and bought some furniture in the store in the amount of XXXX, I was asked if am going to do the two years promotional purchases they have i said yes, so they charged me additional {$300.00} which brought my total expense to XXXX with no interest if paid within two years. All of a sudden am being charged interest fee and additional late fee whereas I was informed neither of this will take place if the debt is paid within two years and if not I will be charged accrued interest from the time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Two or three weeks before XXXX, the Synchrony Bank fraud department suspended my credit card, issued through Walmart, because they detected fraud. After repeated phone calls and emails, I still do n't know why. The activity on the account for that month was fairly standard for amounts spent and items purchased. I was never given any warning, and, at some point, was completely shut out of my account. After the fourth phone call, after being mailed a security code, I was allowed onto my account, which satisfied THEM. I am still boiling and have not used the account since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX # XXXX : Amazon is intentionally & knowingly holding orders over a week after charging customer credit cards before presenting items to shippers, to force customers to purchase their PRIME service for {$99.00} per year. According to XXXX regulations charging of credit cards prior to shipment is a violation of all merchant account contracts. 

Amazon states that the 7+ day holding time is for processing after they have charged credit cards, YET they are intentionally misrepresenting 7 day shipping times and using the said shipping times to hold orders XXXX so people spend the {$99.00} fee for faster shipping. Shippers like XXXX XXXX AND USPS take an additional 7 days to ship said products making total time since order origination over 14 days, THIS is false, misleading and fraudulent for Amazon to try to force customers into a contract for their PRIME service by holding orders & delaying service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank took over XXXX of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP XXXX Credit, and TJX Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as XXXX for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose XXXX looking in the spam trap. They refuse to eliminate the late charges after the first but always charge interest, and they post against my credit record. They then call with threatening collection actions and even put XXXX card " on hold '' four days after the end of a billing period XXXX with a purpose of getting me to let them draft a minimum payment from my bank. I tell them that that will never happen and they do not like that response. I have no outstanding credit card debt and pay no credit card interest by design. I should not have to go through their clunky websites to get my bill on a monthly basis particularly since some of the accounts are not used on a monthly basis. I judge that it is no longer safe to have bills sent through the XXXX mail. Either this bank does not have the technology or chooses not to use the technology that we as consumers are accustomed to having available ; or perhaps this is simply their ploy to increase the revenue stream by creating late fees and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Perfection Collection
State: WA

Complaint narrative:
after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint about a XXXX card that I had. I paid this bill in full and they reported to the credit reporting company 's that they charged this account off as a bad debt. I have been disputing this information for over a year now. I called them numerous times and they XXXX do not even have a record of my first purchase. My first purchase with them was for approx {$320.00} ... ..I paid that off within 4 months ... .That card was down to a XXXX balance. Months later I receive a statement that I owe for finance charges and late fee 's. I 've disputed it also with all XXXX credit reporting agency 's. It keeps coming back that I owe this debt. I explained they are trying to charge me twice for the same product. I am fustrated as having this incorrect information on my credit reports is affecting my credit score. XXXX is absolutely wrong for trying to collect on a purchase twice.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I settled my XXXX derogatory hits on my credit report. The original debt is the company XXXX XXXX. The debt collector that I paid was The National Service Bureau. I originally called to pay on XXXX XXXX, 2016 in the amount of {$880.00}. to close my debt. They told me that it would take about XXXX60 days for it to reflect on my credit report as closed. They also said that they would mail me a receipt of payment and a verification that the balance of {$0.00}. I never received a receipt and also it was still showing on my credit report. I called and I spoke to a lady that emailed me the receipt on XXXX XXXX, 2016. The receipt only shows the amount of {$440.00}. I look at my credit report it shows that I still owe money when in fact it has been paid and should be closed. This has been affecting my credit score for a little over a year after it has been paid fully.

Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.

Company response to consumer: Closed with monetary relief