vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies.

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 2016-02-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.

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 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Last XXXX I opened my XXXX account with XXXX, I was told that if I opened up a store card ( credit card ) through synchrony bank that I would get a discount. So I got my discount on my XXXX purchase and my only purchase on the store card. Well the lawn mower tires that I bought were not the right size so I sent them back to XXXX and got a 100 % refund which I have been told by XXXX at least XXXX times which was supposed to take the balance off the card. I have made no other purchases with the XXXX store card which I have confirmed by XXXX but yet in XXXX Synchrony bank said I had a balance of {$3.00}, I did not get a billing statement for {$3.00}. I did get a bill in XX/XX/XXXX for a bill around XXXX dollars which confused my wife who called XXXX shortly thereafter. XXXX told my wife to disregard the bill because there was n't any balance on he account and no purchases have been made. On XXXX XXXX me and my wife entered a XXXX XXXX dealership eager to buy the motorcycle that we have been wanting to get for more than 4 years only to find out that my credit was shot due to unknown reasons. We came home that night and I pulled my credit report and it showed that XXXX has been showing my account late since last XXXX. When I called them on XXXX XXXX XXXX told me that they I have no idea what the charge is on the account because all money was refunded back to the credit card and no other purchases were made. They then transferred me to synchrony bank collections who told me that I had to write a dispute letter because my account balance in XX/XX/XXXX was {$3.00} and has been delinquent ever since I asked them what purchase was made and they said they could not tell me and did not know. That is when I decided to contact you through this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This is concerning a debt I found on my credit report last XXXX ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce in XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt in XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail in XX/XX/XXXX due to it being forwarded by the person with a XXXX I was divorcing ). I have tried calling this creditor at least XXXX times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XXXX XXXX of this year trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My husband and I were recently in XXXX and while XXXX can be challenging at times due to mostly banks concerned over fraud. My PayPal XXXX overstepped their bounds. My problems with them started when I got a new card from them with my name change due to marriage. Not one transaction has gone through since I received my new card with my new last name, even though that same XXXX they upped my limit. Fast forward three weeks and while in XXXX I wanted to use the card and after spending over 30 mins on the phone with them I was was told everything was good with the card and the representative even told me to go and enjoy XXXX. This was my first time to XXXX and I was excited to explore and shop in this amazing city. Well at lunch the card was declined, I was so embarrassed. Rather than leave the hotel we decided to go up to the room and figure out what was the issue now. On hold with XXXX call center for 45 mins l was livid but again assured that the problem was fixed and that we would have any further embarrassing lunches. My husband and I went to go do a little shopping and with trepidation pulled out my PayPal XXXX and again an embarrassing decline. Now I am mad and upset. They have lied to me, taken up precious time we had in XXXX on the phone ( mostly on hold ) with them, and frankly extremely embarrassed. As to not ruin the rest of our day we put that card away and we decided to call them once we return to the hotel. I was n't feeling so I gave my husband who is an authorized user on the account talk to customer service and figure out what is going on. After they put him on hold for over 50 mins he had reached his boiling point too. But to my surprise he said to the rep that he wanted to close the account and hung up the phone. I understood his frustration but did n't think much of it because they could n't close MY account without MY permission. Come to find out I was wrong. They closed MY account and they they took no responsibility for us wasting 4 hour on the phone on my XXXX trip to XXXX on the phone with them trying to spend money and use the new credit line they had just bumped up for " being a loyal client. '' This is n't legal or right and I wo n't take this lying down.

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 2016-06-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
An fraudulent account was opened with Synchrony in my name - I did not open 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 2015-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Was n't aware of debt till requesting credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 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:
My issue is with Syncronybank, issuer of CareCredit. I have set up all my payments account via online. Not realizing I gave my credit card number, which expires instead of giving my checking account number. In XX/XX/2016 my banking card number was changed. As a result no payments were sent, thus rendering my account 'late ' with late fees. In the meantime I was having a hard time getting thru to CARECREDIT.com to make my payments. I found myself going into a loop with referring me to Syncronybank. The time of day I would attempt to get on site to handle my business appeared to be after hours. With long wait periods or speaking with someone where I encountered communications barriers. The Syncrony Bank XXXX. XXXX Representative and Number goes directly to XXXX and not a XXXX call center unless XXXX request XXXX call center. Or long waits and no one on the other end so that I can correct and set up my payments. I attributed this to after hours so I would attempt to come back and handle my business at another time. In the meantime, I have no access to my account on line to make any correction/updates. Once I 've gottan thru to Syncrony Bank their only order of business is to get their payments and will not assist in my obtaining access to my account so that I may set up my payments. In the meantime I also received a new CareCredit number and I was not able to set up my new account. 
I received a statement in the mail, where I 've set up all my accounts to be paperless and receive my current statement and notification when payment is due and received. They were not able to assit me in setting up my new account until payment was made. They will not wave the XXXX or XXXX late fees but did adjust the XXXX late fee of {$37.00}. My balance without the late fees is {$71.00} and I was willing to make the payment in full once they would adjust the XXXX and XXXX. The supervisor refused to dismiss the XXXX & XXXX late fees. The fact that I have not been unable to get into my account and make the update was of no concern and would not take this into consideration.

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 2017-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Purchased goods and services from Lowe 's using their store credit card. Product and service was done incorrectly. Filed dispute with credit card company Which was acknowledged by Synchrony Bank on XXXX XXXX 2016. Stated in the communication that when the investigation was completed I would receive a response via mail or email notifying me of the resolution of the dispute. Never received a communication regarding a resolution and was forced to continue to make minimum payments even though the balance was in dispute. Was threatened that my account would go into collections if I did n't make a payment. Dispute is still not resolved. Was also told I would have deferred financing and after purchase was told that it was n't deferred.

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 2015-10-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!

Company response to consumer: Closed with explanation