vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX 2014, I opened a Care Credit card as a way of funding dental work. The card was six months at 0 % - so I spaced out my payments to be paid off in six months. On XXXX XXXX my balance was {$160.00}, on XXXX XXXX, Synchrony charged me XXXX in interest making my new balance XXXX. Can they do this? Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have been trying for a number of years to geat a problem solved with Synchrony Bank formally GE Money Bank. In XX/XX/XXXX I purchased a XXXX which was financed by GE Money Bank. Due to circumstances beyond my control in XX/XX/XXXX I filed for XXXX bankruptcy and this account was part of that bankruptcy. I have been trying thru phone calls and writing the company to get them to pick up their property ( XXXX and trailer ). I sent a certified letter to the company at PXXXX GA XXXX on the XX/XX/XXXX which was signed for on the XX/XX/XXXX. The letter asked for the bank to either pick up their property or release the lien so it can be disposed of. As of this date I have received no response. Any help would be greatly appreciated since this has gone on for 10 years.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :

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 2016-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I purchased a couple of items through Conns Home Plus and since has been a nightmare. I fell behind midway through the loan and had contacted them for additional help which they refused. After they refused on an average I have been getting 7 to 8 calls a day including weekends and many are hang ups. When I do take the calls they continue to harass me, belittle me, interrogate me, and refused to work with me until recently. Last week around XXXX/XXXX/16 they contacted me and offered to defer payments toward the end of my contract if I paid {$180.00} which I did. Each day since I get multiple calls claiming that I still owe and that their rep was mistaken and should not have offered such a deal. I asked them to listen to recording as they said they have on file but instead they are calling me a liar, and continued to try and push me. I eventually terminated the call. I know of several people that have experienced the same treatment and enough is enough. I am XXXX, not sleeping, not eating, and feel sick to my stomach over it all. What does a company feel that they need to mislead consumers into paying additional money that I said I did n't have and get away with not honoring the agreement once they take my money? I am aware that I owe the money and have spoken with them several times and apologized and explained that they would get their money and I still get this outrageous, unprofessional, unethical treatment. They tell me that they will report this information to the credit reporting agencies if I do not continue the plan even after they refuse to honor my restructure that they offered. They also are charging additional fees on payments which was not explained of agreed too. If you listen to recording of my calls you will see that I have been professional, willing to pay, and appreciative of the products. I have guaranteed payment and explained that it would get paid once I receive my funds. Instead, they pushed me into paying more than what I could afford on a deal they structured then failed to honor their own plan. Why will my credit be affected when they failed to honor what we all agreed. Please have them provide you with copies of my calls and listen for yourself. I would start with XXXX/XXXX/16 through today. I have contacted an attorney locally and he said to start with you. Please help me resolve this matter and put a stop to the madness. I am begging you to help me stop them from further harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My bank essentially stole {$510.00} from my account. My debit card had always been linked to my checking account. When my card was reissued, Regions incorrectly linked it to my money market account. Due to their error, I was charged a fee of {$240.00} in XXXX XXXX and {$270.00} in XXXX XXXX for " excess activity ''. In addition to being wrong, these fees are obviously outrageously high. I have written XXXX letters to Regions corporate headquarters regarding this issue, the second sent certified mail. They have not responded in any fashion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.

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 2016-05-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank sent me a Visa credit card, saying that I have been " upgraded to a new level of gas savings '' for my Chevron gasoline card. I did not request the Visa card and my Chevron card had not expired. When I called them yesterday to ensure it had not been activated and to say that I did not want new credit I was told by both the Representative and his supervisor that, Yes, an account had already been opened in my name. This is not a case of fraud or ID theft. This is Synchrony Bank trying to push credit on me, likely for the purpose of inflating their bottom line. Synchrony Bank has a practice of doing this as it also occurred last year with my XXXX XXXX account, for which Synchrony manages the credit. This is very similar to the XXXX XXXX situation and I am wondering what regulatory entity covers such cases of opening accounts without the permission of the consumer? I would like to file a formal complaint. This is well beyond prescreening and preapproval as they actually sent me XXXX cards and assigned account numbers. They were only willing to " cancel '' the account if I gave them identifying information about myself, specifically my social security number and address, which I was unwilling to do, so they hung up on me. Please let me know how I can file a formal complaint about this predatory practice.

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 2015-08-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SACOR FINANCIAL, INC
State: NJ

Complaint narrative:
Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our 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 2016-11-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased appliances from XXXX in XXXX, California. The purchase was financed by Synchrony Bank, which was facilitated by XXXX. The loan was supposed to be 18-month interest free loan, with {$160.00} per month payment. After the first month 's charges were drawn, the remaining balance of {$4400.00} was drawn as single payment on XX/XX/2017 without any prior notification. 

I did not catch this transaction until 1 month later and was a total surprise for me. I 'd like consumerfinance to help me with this issue.

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 2015-09-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am getting harassing phone calls from morning until night. I explain to my account holder that I was lay off at my job, for about 6 to 8 mths.But my company called me back to an new department. And can they please work with me until I get back on my feet.First I needed to find me somewhere to live because I was living in a women 's shelter. I am paying them something but not the full amount, l asked if they would wave some late fees to help me but that was a NO! All the robo calls is stressing me completely out XXXX separate numbers back to back from morning to night.Last call tonight was at XXXX.Please stop the harassing phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX 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 2017-03-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I spoke with Lowes Credit XXXX on XX/XX/XXXX.2017 about raising my credit limit to {$1000.00}. I asked them to run a soft inquiry only because I am applying for a mortgage on Monday and do not want any hard inquiries to affect my credit score. I specifically asked for only A SOFT INQUIRY AND TOLD THEM NOT TO RUN A HARD INQUIRY. My XXXX score was XXXX as of XXXX/XXXX/2017. 
I check my reports everyday because I am meeting the mortgage officer this coming Monday to get a pre approval for a mortgage.. I wish I never ever spoke to Lowes. I never would ask for a hard inquiry knowing the depth of injury it would put on my FICO score. 
Today I looked at my credit score and it has been reduced to XXXX. I looked into my repot. Lowes ran a hard copy of my credit and reduced me by over 20 points in my FICO. This is so unfair to me. The whole credit reporting business has been a nightmare to deal with. Everyday thee is an issue. Just when I am finally in the home stretch and meeting my broker on Monday, THIS HAPPENS. tHIS WAS NOT WORHT THE PHONE CALL TO lOWES. tHEY MADE AN ERROR WITH MAKING A HARD COPY. 
This hard copy info needs to be removed so I can qualify for my loan. I am so tired of being beat up by the credit card company poor reporting and constant mistakes through XXXX, XXXX XXXX and XXXX. 
You are the only people that help. Please please please help me.

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 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. 
To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. 
They requested that I get a Police report, but the statute of limitation has elapsed. 
" I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. 
Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation