vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name, recording, Synchrony Bank, and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency, and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act, XXXX, or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date, these phone calls were unwarranted. Also, Synchrony Bank used the tactic of " attempting to collect a debt '' was deceptive in trying to threaten me into making a payment although I now know it clearly reflects I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have received XXXX letters from Synchrony Bank within the last 30 days, informing me they were closing/reducing my credit limits on the following credit cards, most of which I have had for over 10-15 years : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) accounts, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Quite a few of these accounts have XXXX balance or very low balances. I began experiencing problems with Synchrony around 1.5 years ago. I began seeing late fees of $ XXXX {$38.00} appear on my statements. After numerous attempts to contact a live person w/Synchrony, I was rudely spoken to, was told my bank ( XXXX ) did n't release my automatic bill pay in time for them to receive before the due date!!! I have worked closely with XXXX to insure all of my credit card payments were released, as stated in my bill pay. This deceptive/unethical manner of tacking on fees is just not right. I confirmed with XXXX on every occasion of these fees added on my each month 's bill, that payment on my credit cards had been sent to Synchrony, as stated on my bill pay each month. How can this bank continue to conduct such a deceptive manner of placing these fees on statements every month? Consumers are just spinning their wheels each month, by trying to rise above these hidden/false/excesive charges on our statements. I 've tried to call within the last three weeks and getting a live person with Synchrony is impossible. But ... I 'm receiving no less than XXXX telephone calls from 'UNKNOWN ', but no one is there, when I answer!!! I just do n't know what to do to correct this nightmare. It 's interesting that I 've had these credit cards for YEARS and only recently have I been been experiencing late payments, fees, endless telephone calls beginning @ XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclay card agreed to remove fraudulent account information then 4 months later started reporting again and sold the debt to a collection agency. A complete identity theft report has been mailed to both companies by certified mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/2016 I received resolution from CFPB against JC Penney regarding my statements not arriving at my home address. However on XX/XX/2016, when I received the documents from JC Penney - XXXX, Sr. Specialist Corporate Consumer Relations office I received old statements. On XX/XX/2016 I phoned XXXX and left her a message confirming my mailing address yet again, having done this already numerous times, and requesting that my statement be sent from then on to the address provided, of which she mailed the documents to as well, now I was charged a late fee for not receiving the statement again last month and now this month again still no statement received. I am sure that I have been charged yet another late fee since I did not receive a statement. I do n't feel I have to continue to request my statement be sent to me for payment. I have faithfully paid my account until this issue. I want my statements and I do n't feel it 's fair if I am charged any late fees, since JC Penney continues to refuse to send my statements despite my repeated requests to receive it and confirming mailing address. On XX/XX/2016 I left XXXX yet another message advising her that I have not received my statement yet and would like to have it mailed to me, I was a bit upset and with reason. It is ridiculous that I have to request my statement repeatedly. Its so disturbing to have to remember to look for my statement when it should arrive monthly.

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 2015-03-31 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: NJ

Complaint narrative:
Syncrony Bank keeps calling my home looking for a XXXX XXXX. This is obviously not me. This has been happening since 2009. I 've told them repeatedly that I am not that person and that these calls need to stop. Most of the time I get hung up on! Some times the calls stop for a few months, but they always start up again. Calls come to my home from ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My lawyer is trying to charge my credit card and the card can not be charged.

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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. 

Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a BP credit card that advertises rewards for either XXXX, XXXX, or XXXX cents per gallon depending on what you purchase. I have no issues with credit when I purchase gas at a BP station, I get credit at XXXX as advertised. The issue is when I purchase other items, they either reimburse at the wrong rate or not at all. They claim a railroad ticket or a taxi is not transportation so not reimbursed at the XXXX cent rate. Also, they make it extremely difficult to match up a purchase to what was rewarded back to the customer. Purchase history is on one site and reward history on another site and of cousre there are delays in reporting. Then customer service claims they have no view into rewards, which of course is not true, if I can see it they can see it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days

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 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Admin Recovery, LLC
State: VA

Complaint narrative:
This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: ME

Complaint narrative:
In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
On XXXX I purchased XXXX Cards at my local XXXX pharmacy. My credit card was charged. When the cards were " activated '' there was some sort of error which led to XXXX the cards not being activated, while the third card was supposedly fully loaded with the {$470.00} I had paid. The store manager refunded my credit card for the other XXXX cards which were not activated. When I later went to use the " activated '' card I found there was no money on it. That same day I contacted XXXX and sent in via email and fax all the documentation. Now, after more than two weeks and half a dozen phone calls they inform me that ALL of the cards were supposedly activated and that I used them all at the same store immediately to make purchases! This is completely incorrect and I have all the receipts to verify what I am saying.

Company response to consumer: Closed with explanation