vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My complain is with Synchrony Bank, who handles the JC Penny accounts. I have had an on going dispute with JCP and Synchrony Bank for a year or close to it about my account with JC Penny. I have been late in payments a couple of times and have not be able to catch up since I have always paid on my account. But not to the satisfaction of JC Penny or Synchrony, therefore in XXXX of 2016 I just paid what I owed and be through with the company and the bank. I send a check for {$200.00} to JCP knowing that it should cover what I owed and close my account. I kept receiving late statements from JCP and Synchrony when I looked at the statements the {$200.00} payment had not been added to my account they say when I called that it had been received or added to my account, I had to send them a copy of the payment. They added they said to my account but nothing changed I stilled owed them the same amount of money when my bill should had been in the negative balance and they owed me money. But they are still harassing me and damaging my credit report with this. Could you if possible help me with this matter I have the proof showing that I owe nothing. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XXXX/XXXX/2015 on my Amazon Store had promotional balance pay off of XXXX. However the month prior had a promotional balance pay off of {$390.00}. but I paid XXXX a difference of {$90.00}. My regular purchase amount on this statement was {$200.00} which is being paid only if there is anything left over after the promotional balance. I had {$150.00} worth of promotion balance due for pay off on XXXX/XXXX/2015. Since I had the {$90.00} credit I paid {$70.00} on XXXX/XXXX/2015. Which left {$9.00} to be credited to anything upcoming promotional balances. On XXXX/XXXX/2015 I called in because there were errors on my account and I was credited a total of {$19.00}. My statement closes on the XXXX of every month and therefore the {$19.00} was not reflected on my XXXX/XXXX/2015 statement. And the {$9.00} was not applied to my account. Today I called in and asked for an explanation of why my payments are being missed applied. I was told that when I make a payment over the promotional pay off amount. The extra amount is applied throughout my account and not to the next expiring promotional balance. I have been told by the Supervisor XXXX that if I want my payment applied to my promotional balance I would have to call in every month and instruct them to do so. Of which I have not had to do in the past. Since Amazon is stating that my promotional of XXXX expired on XXXX/XXXX/2015 because I only made a {$70.00} payment on XXXX/XXXX/2015, but I had a credit of {$90.00} prior to the {$84.00} due on XXXX/XXXX/2015. Amazon is applying my payment as they please. Instead of paying off the next promotional balance they apply only minimum amounts to each open balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
IN ERROR ON MY PART ... MY {$35.00} MINIMUM PAYMENT WAS NOT PAID ON DUE DATE XXXX/XXXX/15. THE COMPANY E-MAILED ME THAT MY MINIMUM PAYMENT FOR XXXX/XXXX/15 WOULD BE {$100.00}. I CALLED THE COMPANY EXPLAINED..I SEE THAT I DID NOT PAY ON THE XXXX/XXXX/15 WAS AN OVERSIGHT ON MY PART ... I PAY ON TIME EACH AND EVERY MONTH. THE COMPANY INFORMED ME THAT THERE IS {$35.00} LATE FEE FOR NOT PAYING ON XXXX/XXXX/15 BUT THEY WOULD WAIVE THE MINIMUM PAYMENT {$35.00} LATE FEE BUT MY MINIMUM PAYMENT WOULD INCREASE TO {$70.00} DUE TO MY OVERSIGHT. payment was paid today XXXX/XXXX/15. 
This seems an unfair practice and trickery to me. 
I would like to ask can these companies make up rules as they go along. I am XXXX years old and made an error. 
T his is unfair to a loyal and faithful customer who erred and paid 9 days late. 
When I make a minimum payment of {$35.00} the interest charges were $ XXXXit appears that the interest charges are enough to compensate for any error for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: OR

Complaint narrative:
I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. 
I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. 
After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. 
After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. 
They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. 
After waiting over 40 days for a simple answer I have no recourse but to contact you. 
My theory is they are using the principle only money in some way to their advantage. 
I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. 
I do not know what more I can do. Mercedes of XXXX has been no help at all. 
They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. 
What the Mercedes Financial is doing of holding onto funds I consider a scam. 
Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. 
Please help. 
XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.

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 2015-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered myself that I had a FRAUD ALERT that I was not aware of on my XXXX Bank account. As I searched my account I clicked on Credit Alert which was located under Credit Tracking. XXXX is not only a bank but also a credit alert company that I do not pay extra for this feature. I never received an alert from XXXX notifying me of this new alert so I called them wondering why. I was told that this alert did not show up anywhere on their records. The XXXX Credit bureau also failed to notify me of any changes on my credit reports. So I copied and pasted the XXXX inquiries that I was looking at for you to view and to see and what I am talking about. You will be able to download it from the attachment I sent to you. I find these inquiries to be troubling, quite strange and suspicious. Can you please investigate these problem? 
1. Carecredit.comProcessed Date XXXX Reported XX/XX/XXXXCommentsStatement added because consumer was a victim of true-name fraud # IFCRA ( XXXX ) XXXX ( XXXX ) XXXX statement : You placed a fraud alert on your credit file. 

2. Processed Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Address Street Address Line One XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXX Address Street Address Line One XXXX XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 







3. Processed Date XXXX Number XXXX Name SYNCB/CARE CREDITIndustry Type Miscellaneous Finance CompaniesStreet Address Line One XXXX XXXX XXXX XXXX XXXXZip XXXX XXXXAccount Balance 0Payment Status CurrentCreditor Preferred Contact OtherNew trade account : An account provider reported a new account to your credit file. 
. 

4. Credit XXXX InquiryProcessed Date XXXX Name XXXX XXXX XXXX XXXX Address Street Address Line one XXXX XXXX XXXX XXXX Address City XXXX Address Zip XXXX Address State XXXXInquiree Address Street Address Line XXXX XXXX XXXX XXXX STInquiree Address City XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 

See alerts of critical changes to your XXXX report. View alerts about any delinquent accounts, fraud alerts, new accounts or addresses, and names that may point to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
someone applied for a stein mart credit card under my name the bank found out that it was not me and then when ever I tried applying for one I was declined because thatfraud application that was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Attempting to dispute a charge and the credit card company is not doing anything and is requiring a minimum payment even though I am disputing the entire amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/XXXX or XX/XX/XXXX I bought a bed from XXXX financed thru synchrony bank. our original credit limit was XXXX. 
the terms were XXXX years no interest if paid in full. we pay each month on time and over the required amount. well ahead of schedule of the XXXX year terms. each time we pay a substantial amount they reduce my credit limit, this causes my credit profile to continually show a maxed out credit card and adversely effects my credit score, limits and interestI spoke to them and was blown off. if they continue to lower my limit to my balance amount it will continue to show a negative value on my score. this procedure they use is unfair to consumers and is wrong. my beginning score was lowerthan now but this makes it worse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I took out a loan from Care Credit in order to pay dental bills. When I took out the loan it was for 24 months with no interest. XXXX I paid my payments to GE Capital. Beginning XX/XX/XXXX, it changed to Synchrony Bank. I paid on time every month. In XX/XX/XXXX I noticed my statement stated that my free interest has expired. I called and the man I talked with, told me the contract had changed. I have never heard of a contract being able to be changed. We argued back and forth for awhile and then he said " If you pay {$280.00} now, we will consider the bill paid in full. I wrote them a check for {$280.00} and put " paid in full '' on the entry. Yesterday I received another bill with the {$280.00} credited and a new balance of {$180.00} at an interest rate of 26.99 %. 
I am XXXX years old living on a fixed income and do n't like to be lied to and taken for granted. I 'm sure they are doing the same thing to other people. I am absolutely positively sure I signed up for 24 months of payments at no interest. I hope you can help me and I look forward to hearing from you soon. This illegal payment is due XX/XX/XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,

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 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the card.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was declined a loan from the partnership of Ethan Allen and Synchrony Financial while having a pristine credit record, FICO score of XXXX, $ XXXX in Synchrony Bank and a $ XXXX income. 
Reason given, " insufficient credit history ''. 
It is my opinion that it was because of no chance of default therefore, no interest would be generated, therefore no profit. 
I consider this to be discriminating to a XXXX year old and an unethical business practice and violates truth in advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ XXXX ] [ XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation