vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had bought XXXX items on promotional interest rates from XXXX which is Synchroney Bank. Well all the payments I have made to them none of the money has gone towards the promotional balances. The representative informed me that I was billed {$210.00} interest from XXXX of the promotions expiring & if I wanted any of the payments I had made to go towards the promotional balance I would of had to specify at the time I made the payment which was done through the automated system because if you do a payment through the representative it will cost you an extra {$10.00}!!! It also DOES NOT give you any option to allocate where your payment will be applied over the automated system which of course that 's what I use because it 's FREE!! They are horrible!! The customer service team hung up on me while I was trying to plead my case against the {$210.00} interest tacked on to my bill because they were n't applying my payments to that promotional balance! Then when I called back they kept me on hold 20 min. Horrible Horrible Company!! I cancelled my card since then & will never do business with them AGAIN!!

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 2016-07-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I was sent a refund of overpayment on my Walmart card that was mailed on XX/XX/XXXX. I lost that mail in my car and I found it on XX/XX/XXXX. I tried to cash it at Walmart, and was told it was not honored because it was over six months old. I have been trying to get a replacement check since XXXX XXXX, XXXX. Synchrony Bank has strung me along every month since then, telling me to wait for one reason or another. I called today and spoke to XXXX, who said they called me on XXXX XXXX, XXXX telling me that they would not honor the check because it was over two years old. That was not true. I have never received a call from them. She then stated that I could call back, thirty days from the call I never got on XXXX XXXX. Today I 'm asking for your help to resolve this matter. I called Walmart costumer service, and followed the prompts which leads you directly to a Synchrony bank rep. 

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the 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 monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I contacted XXXX XXXX and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
I purchase a refrigerator from Conn 's appliances.3 days after delivery My ice maker was not working. I called Conn 's and they sent a repairman out from XXXX about 3 weeks later. The man took the ice machine apart and said he could not find anything wrong and does not know why it wont work. He did say that the blades did not fit. 
I called Conn 's the next day and they said there was nothing they could do. I told then to contact the manufactured which was XXXX and they told me they would get back to me. I had not heard from them for aproximatly 2 weeks and I called them. 
They told me that they were not going to pay XXXX to come out but they will send someone out from the same company. The same gentleman came 2 weeks later nad walked in my home and said : Ma'am, I dont know what they want me to do.! He called his boss from XXXX and the boss called XXXX. XXXX said they could send someone out but at MY cost since Conn 's would not. He said or..They could just replace the unit and be done with it. 
Conn 's refused to replace the unit or fix it. Still to this day, when I call them all they want is money and they said they will not repair or replace the almost {$3000.00} refrigerator. 
I paid XXXX {$640.00} to fix the unit. Conn 's will not credit me the the repair fee. Please help me resolve this issue as Conn 's is reporting negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclaycard Arrival Plus Mastercard using my legal name on the application. Barclay could not give instant approval and communicated that the application was being processed. I did not receive any other communications or a request for additional information from Barclay. A card issued to my maiden name ( no longer my legal name, and never used on the application ) was delivered to me two days later ; I contacted Barclay to close account due to their inability to process my application accurately and my concern over their misuse of my information. When I contacted customer service I was never notified of any posted charges ( I contacted customer service the day after the card was received and had not set up an account online or activated the card ) and the account was closed. When I asked for confirmation that there was a XXXX balance on the closed account the customer service representative informed me there was a {$15.00} balance on the account for expediting the card. I asked for the fee to be reversed since the card was not issued correctly and the account was not set up using my legal name. The customer service representative said they were not able to waive the fee, and said they would submit my request for escalation.

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 2015-09-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Best Buy Credit card. 
I was denied by CITIBANK. 
I was not aware that I was applying to CITIBANK, I subsequently discovered that Citibank was mention on the app in mice print as the " issuer '' of the card. No identified as the " decisioner '' If i was aware, i would not have applied. 
I wanted to apply for a Store Card, not a Bank Card as their criteria for acceptance is generally lower and they do not usually do a HARD inquiry on my credit. 
Immediately ( with 1 minute ) I called Best Buy/Citibank and requested that my application and subsequent HARD inquiry on my XXXX credit file be withdrawn. 
I spoke to XXXX different operators/supervisors (? ) was told that " the SYSTEM has already DECISIONED my application '' and it could not be manually removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: ME

Complaint narrative:
In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used Care Credit several years ago to pay for dental work. Since then, I 've had to call them several times to report " erroneous '' fees applied to my account. After paying off my account this past XXXX, I asked them to remove me entirely from their system. However, most recently I received a Care Credit XXXX that I never requested. When I called to complain, they said I had received a mailing saying that I had been prequalified and that I needed to " opt out '' if I did n't want the card. The customer service person ( XXXX, employee number XXXX ) told me that the card was issued because I did n't opt out even though I was given " plenty of time to do so. '' Given that I receive " pre qualified '' notices all the time, this seems incredibly deceptive. I am willing to take whatever steps or provide whatever information I can to stop this company ( the representative said Synchrony bank issued the card ) from scamming other customers.

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 2016-04-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect 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 monetary relief
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.

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 2015-11-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am writing in regards to my account with G.E. Capital Retail Bank, now Synchrony Bank, for a store ( Banana Republic ) XXXX card I had from XX/XX/XXXX- XX/XX/XXXX. 

In XX/XX/XXXX, this issue was resolved regarding uncredited payments ( see CFPB complaint case no : XXXX ). However on my most recent credit reports ( with XXXX and XXXX ), the information shows up again as a " Charge Off '' and that my information was sold to XXXX XXXX XXXX to collect my unpaid debt- a debt of which I am unaware. To my knowledge, I paid this account in full and closed the account. 

The floor supervisor in the Recovery Department at G.E./Synchrony, XXXX, researched the matter per my phone call today, XXXX XXXX. The alleged unpaid debt is a minuscule amount- $ XXXX and comes after my correspondence and phone calls with G.E. Capital Retail Bank paying the account in full and closing the account in XX/XX/XXXX. 

Furthermore, XXXX tells me that records show that the last statements were returned to G.E. Bank in XX/XX/XXXX. Though she is unclear as to why I would be receiving statements after my account was closed, she surmises that the {$11.00} is outstanding interest, though she can not be sure since the alleged debt has been charged off. 

Synchrony should transfer my account back from XXXX XXXX XXXX, the company to which my account was sold in XX/XX/XXXX. Please note, this sale of incorrect information was a year and nine months after I believed the account to be paid in full and closed! Furthermore, Synchrony should provide a detailed, itemized report of alleged outstanding debt. Finally, Synchrony should report to all XXXX credit bureaus that my account is " Pays As Agreed '' and closed at consumer 's request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!

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 2016-01-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am formally making a complaint against synchrony bank regarding my guitar center card ( acct # XXXX ), I received a voice mail from them today ( XXXX/XXXX/16 ) informing me that my account was past due XXXX payments and a delinquent was reported to the credit bureaus, which is the sole negative on my credit history ever and has lowered my fico. 
I informed them that there must be an error because I have been enrolled in autopay for the past 2 years, I was also informed that there are XXXX late charges ( $ XXXX {$60.00} ) and they stated they will not remove them, I even pointed out that the XXXX & XXXX payments posted without issue, however, the last person I talked to that hung up said she did n't see any information ; I have been attempting to resolve this issue all morning and have gotten nowhere, I have been hung up on 3 times today when I ask to speak with a supervisor, I dont know what recourse I have but this can not be allowed to stand and I can not be bullied and have my credit score impacted when I have never had a derogatory or late payment with any of my accounts and there is no on I can talk to to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Wall Mart credit card Wil not allow a payment made XX/XX/XXXX16 to be credited to XX/XX/XXXX16. I have talked with customer service when this problem happened in XXXX. Wall Mart does n't disclose hat the cutoff date for billing month is. Last month it was the XXXX. It changed this month and customer service wallmart credit card wo n't allow a payment made XX/XX/XXXX16 tone credited to XX/XX/XXXX16 due date. My name is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Card # in dispute 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 2016-12-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
WALMART MASTERCARD / Synchrony Bank blocked my credit card a month ago. Then, they blocked my online access, so I ca n't even pay the bill. They do not want to speak with me saying they do n't know who I am. They could not be any more difficult. Most banks know how to appreciate your business. Not this one.

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