vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my Amazon.com payment webpage in XXXX 2015, Synchrony Bank promoted a financialoffer : 5 % cash back or 0 % APR on purchases. The page expressly stated that Amazon.comStoreCard members enrolled in the paid XXXX membership would " automatically '' receive these benefit choices. This ad on the Amazon.com payment page appeared for the next XXXX months. I made several inquiries to Synchrony Bank about receiving this financial promo. No one, either reps nor supervisors, knew about the promo or how to follow-through. 

In XXXX 2015 the Amazon.com payment webpage changed, the offer reappeared, yet it was no longer an " instant '' benefit. I selected to receive 5 % cash back on purchases at that time. 

XXXX, 2015 StoreCard statement for Amazon.com from Synchrony Bank did not include the cash back on purchases benefit, after I made rather difficult, repeated inquiries. 
Synchrony Bank made a financial promotional offer, XXXX 2015, based on purchases made by XXXX membership clients that they did not honor or follow-through. Synchrony Bank was not able to, and appeared incompetent about correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to 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 2015-06-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2015 I received an inquiry from TJ Maxx. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Siggi LLC
State: CO

Complaint narrative:
I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/CARECR ACCOUNT NUMBERs : XXXX XX/XX/XXXX C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CARECR or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CARECR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am being constantly being harassment by Walmart on my XXXX credit card account. I need to report this to you to quit being harassed by them for payment since have already made arrangements with them to pay on my Walmart credit card account. Thank you for looking into this harassment charge against Walmart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I bought a crystal table from an exhibitor at Sam 's store in XXXX, XXXX XXXX, through Sam 's Credit Card. When XXXX invoice arrived, Iwent to the Store and paid cash full amount. At this moment, 10 years later, the Store still charges me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX my family had XXXX immediate family XXXX which left all of us in a position to have to come up with finances to XXXX them. I got behind on all my credit card debts and enrolled in XXXX debt relief. XXXX advised me to pay a monthly amount and they would negotiate the balance and I would make a monthhly payment to them. I was also told no negative report would go to my credit bureau and that it would reflect enrollment in the program and continually paying. However I recently obtained a copy of my credit bureau reports and they show numerous creditors, including Synchrony Bank as a " charge off '' which is prohibiting me from renting a residence, or obtaining decent credit. I contacted Synchrony Bank on various occasions and was told that enrollment in a debt relief program was a positive step and it would not be reported negatively on my credit bureau. All XXXX credit bureau reports show " Charge Offs ''. In XX/XX/XXXX I obtained a consolidation loan and every creditor has been paid in full. I have faithfully paid these debts and want to pay off the consolidation loan in the near future. My credit is ruined with these reports of charge offs.

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 2017-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.

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 2015-05-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is concering JCPenney of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX XXXX representative asked me if I would like a rewards card for some instant discount. At no point in time did she ever mention or say that this was n't a simple points card but actually a credit card. There was no agreement or paper I was asked to read and agree to. It was only later when I got an alert from a identify fraud monitoring service that I realized what had happened. This has resulted in an unnecessary hard pull of my credit history and was tantamount to fraud. I had absolutely no idea that I was being signed up for a credit card at any point throughout the entire process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!

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 2015-12-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have an account with XXXX XXXX XXXX issued by Synchrony Bank. We have XXXX credit card only and my husband uses it also for his expenses at work, so every time he receives his expense check I deposit to the bank and issue a online payment to XXXX right away to keep our available credit open so we do n't have any surprises when charging. On my last Statement I '' ve made three pmt one of {$890.00} this was expenses, one of - {$1600.00} also expenses and the last one of {$3200.00} which was my balance to pay and the last one was deducted from my bank account via on line pay with my bank on XX/XX/2015, XXXX received it on XX/XX/2015 and is still holding this pmt as of today XX/XX/2015. They are telling me they have to wait for the money to clear, I 'm sure my bank would not send my pmt if the fund was not in my account, ( And it was already deducted on XX/XX/2015 ) with this situation going on and the other charges done since, we went to charge a small amount of XXXX and was denied by the store, after talking to these clueless at XXXX they refuse to apply my pmt to my balance, my husband was leaving on a business trip this morning XX/XX/2015 without any credit cards. I do n't believe they have the right to hold on to my money since my Bank has pay themselves on XX/XX/2015 it should not be any issues about credited my account, they are abusing people who pay their bill off each months and they should not get away with it. I need help to stop these deceptive practices. It 's putting us in a uncomfortable position and my husband have no way to charge for his expenses for the next few days, we ca n't not accept this kind of XXXX, because we like to pay our bills ahead they are punishing us by refusing to apply pmt on the same day they receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I had an account with Synchrony Bank ( formerly GE Credit ) for XXXX XXXX stores which was closed and paid in 2009 but it remains on their system and they say it can not be removed despite the fact that is closed, can not be used and should not be in their database this long. They refuse to remove teh 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 2016-04-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In the past year or so I have received hard inquiries on my credit report for attempts to open accounts via this bank. Various sub companies under this back ( lowes, and american eagle ) have had repetitive attempts. I have placed the proper freezes on my credit, however attempts to open accounts continue. I do not feel that this bank makes any effort whatsoever to help rectify identify theft incidents regarding their institution. 


XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The issue is with CareCredit. Despite their own system showing discrepancies among my Account Balance of {$680.00} and my Promotional Account Balance of {$620.00}, which is a difference of only {$62.00} in late fees, the agent XXXX and his manager XXXX continued to insist that I owed them {$94.00} to bring my account current. When I asked why, they both said that they do n't calculate why I owed " that way. '' I replied, " then, there 's something wrong with you. '' I guess they do n't do it mathematically. I think their system had not updated yet, but they were not willing to update or correct, even for the sake of logic. 
So, in their website, there were discrepancies among my Current Balance, my Promotional Purchases Balance, and my monthly payment amount. Despite their admission that my initial balance was {$750.00}, and they had already credited my account for {$120.00} in payments from XXXX/XXXX/15 through XXXX/XXXX/15, putting my Promotional Purchase Balance as {$620.00}, and their admission that they had only charged me {$62.00} in late fees, making my Current Balance {$620.00} + {$62.00} = {$680.00} ; these customer service agents insisted that I owed them {$94.00}, instead of {$62.00} to bring my account current. They could not be bothered to correct their system, for the sake of logic!

Company response to consumer: Closed with monetary relief