vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Lender failed to send financial/billing statements in a timely manner ; after requesting a bill, and receiving one, I have made timely payments. Lender continues to add interest charges to the initial late fee assessed, even though representatives assured me that there would be no late fees, as their error caused the initial billing lapse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to 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 2015-11-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my American Eagle Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the American Eagle Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 
According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only one which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I set up bi-weekly payments on my account to cover each month 's payment, a payment was made on the bill generation date ( early ) so Synchrony charged me a late fee when I was actually early on the payment. I spoke to an agent who saw all the payments but was unwilling to correct Synchrony 's mistake so I asked to speak to a manager. The manager actually said to me " you made a payment early so we charged you a late fee '', I was appalled and even more so when she refused to correct the error the company has made. It 's obvious Synchrony practices unfair consumer credit activities and I will be filling a complaint with both the XXXX and the Consumer Financial Protection Bueau for charging me unwarranted late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS WRONG.

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 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my Gap Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal XXXX Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Gap Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I 've recenlty been a victim of a preditory loan. I purchased a bed from XXXX XXXX in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase amount not on the remaining balance. Prior to the expiration date I never received a notice informing me of the upcoming expiration date and since I was not receiving the statements in my email, I missed the expiration date. I had to sign into my account and check on the status of the account, and it was then I noticed an interest charge of over {$1100.00}. I called their customer service and asked if I could just pay the remaining balance today and be done with the card and not be charged the incredibly high interest charge, especially since this was something that happened about a month ago. The account manager was immensely unhelpful, and when I asked to speak to her manger she took down my number and said they would call me back within 72 hours. At this point I would like to get this resolved as soon as possible since they will continue to charge me % 30 APR until I pay off 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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened this 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 non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation? 


ThanksXXXX XXXX (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony continues to call me 10xs a day. They are calling for a debt that I paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I 'm finding it impossible to access my WalMart credit card statement. WalMart promised me a refund of {$230.00} for a botched delivery, but I ca n't get them to fulfill that promise.

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 2015-05-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I was forced to borrow from Care Credit XXXX Synchrony Bank XXXX when I did not have dental insurance or other credit remaining, and had a XXXX that needed expensive work to avoid XXXX. The dentist 's office staff suggested using this option to pay for the service, and the dentist requests that you have credit or pay in cash prior to treatment. He is also the most capable dentist in the area and it is quite likely no one else could have done the procedure he did XXXX. 
I did not plan to be out of work for nearly as long as I have been. XXXX also does not cover any dental issues. Other forms of insurance are very expensive. 
I have found is that Care Credit uses several methods to add huge amounts to your principal and almost automatically increases your credit rate to the maximum allowed under their contract. They do not offer workable payment plans if you get behind, and their late fees are larger than the finance charge. 
I have previously contacted Synchrony Bank asking for a payment plan for at least one month. ( Their XXXX request is to pay the entire past due amount, which of course includes their numerous late fees and interest charges ) As a last resort, the customer service rep accepted a payment of {$35.00}. She did not mention that the late fees are also {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged. 
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX. 
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either. 
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Sam 's Club store credit card, but received approval for a Sam 's Club Master Card. I do not want a Master card for Sam 's. I spoke to several people at Synchrony Bank XXXX XXXX ) and was told that I could not have a Sam 's Club store credit card because Synchrony Bank no longer issues them. According to Synchrony 's website, a Sam 's store credit card ( for use at Sam's/Walmart only ) is offered. Since I was only offered the Master Card for Sam 's Club, I canceled my application. I do n't want a Master Card. If I did, I would apply for XXXX. It makes me very angry that a bank, any bank, would force me to have a type of credit card that I do n't want, just to be able to shop at a specific store. I have sent a copy of this message to Synchrony Bank and Sam 's Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Here 's my story, I went to chase to take out a Loan in 2008 to by my wife a car. I contacted the loan officer for about XXXX days, They continued to put me off. After several attempts to secure the Loan, I decided that since they did n't want to help me with the loan I went back into my local branch and told the loan officer that I no longer wanted the loan, and paid cash that I had in my saving account. I was told that because they went through the process that I would have to pay them XXXX dollars. I could n't believe what I was hearing. So I thought that the matter was over. I checked my credit report and found that they charged me XXXX dollars and this is still on my report, I 've written to each agency and they would not remove this from my report. That my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.

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