vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 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: AZ

Complaint narrative:
This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

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 2015-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The complaint i am filing is against XXXX XXXX XXXX. They finance my Walmart card ( s ) and XXXX 's card ( s ) .Recently i was informed by XXXX that my XXXX XXXX cards were closed and that the Walmart credit limit on XXXX of my cards was reduced. The reason given for these changes was that they recently re-reviewed my credit report and the report showed delinquencies as well as late payments. I have none of these and I am not understanding where they have come up with this information. i am also wondering why and how they could pull a XXXX credit report without my permission. I am very disturbed by this since the changes have negatively effected my credit history.

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

Complaint narrative:
I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.

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 2015-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My loan has an interest rate of 27 % never disclosed to me.Care Credit is initiating loans at 0 % only to backload a 27 % charge if not paid within 12 months. They are sourcing cheap XXXX and XXXX like XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. 
So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Use of Gap Visa card issued by GE Capital Retail Bank was declined on XX/XX/XXXX. Card has expiration of XX/XX/XXXX and has a credit balance. Customer Service says card cancelled because issuing new one with chip. Other card companies keep card valid until new card activated. A declined card is embarrassing. This practice is poor customer service and relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
G.E. Retail Bank place in collections # XXXX an amount that was already settled. See attached documents. Sloppy and erroneous credit reporting prevented me from obtainingthe credit score needed to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed -- no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance will be documented for me to verify.

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 2015-04-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.

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 2015-12-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When I created a PayPal account to purchase a product through another vendor, they signed my up for a XXXX XXXX that I never agreed in opening. Now monthly I have a ding on my credit report as they state that they can not close or do anything about the account as it belongs to a different person with the same name but different date of birth, social security number, address and phone number. They state it was due to identity theft but neither of the XXXX organizations that I have monitoring service with state identity theft and that all information points to PayPal services with the billing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
I have a car lease with the finance company of Mercedes Benz. To collect the Missouri Property tax, M-B finance company sends a letter indicating you can pay by check or credit card. You must call the company to pay by credit card. When you call, M-B Financial tells you that you can not pay by credit card and that your payment will be transformed into a cash advance. 
This immediately hits you with a 2 % to 5 % fee and interest charges with no grace period at up to 24.99 %. A credit card charge usually costs me nothing and I get frequent flyer miles if I pay charges within 30 days. 
Sometimes agencies like the US Government tack on a convenience fee of 1.8 % to 2.25 %. The bait and switch policy of M-B Financial would cost cost the consumer XXXX as a cash advance than a normal credit card charge. This appears to be fraud as I can not pay the required payment by credit card but only by a cash advance. It is an unfair, and misleading policy if not outright bait and switch and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
unauthorized inquiry on my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. 

This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This debt is almost is almost 8 - 9 years old. This company called me to say that they have tried to serve me twice and they will try one more time. If they can not serve the papers the third time, they will sue me and it be an automatic judgement against me for the amount plus court costs. They said this will allow them to garnish my wages, seize my assets, and pursue other methods to collect the money. 
I told them that on some of the communications they sent me it mentioned the the debt is to old so they can not sue me. However, the lady on the phone ( XXXX XXXX XXXX ext. XXXX ) said that does not apply to the entire debt, only the settlement offer and that they have no choice but to pursue legal action to garnish my wages and maybe seize my assets. 

They said the company name is XXXX XXXX XXXX based in California. 
Their phone # : XXXXMy case number with them is : XXXX. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
This is to complain on the fraudulent activity of the SYNHRONY bank, affiliated with Amazon Internet store. I made XXXX purchases that were applied against Synchrony Credit card. The first statement I received at XXXX XXXX 2016, which showed amount {$200.00} while I owed {$110.00} for my purchases. 
XXXX XXXX 2016, I had send letter to Synchrony bank along with my check with payment the whole amount I owed for my orders. This payment was made within the grace period, so no any late fee must be applied. ( See Exhibit XXXX ). 
XXXX XXXX 2016, Synchrony bank send me confirmation of my payment. ( See Exhibit XXXX ) XXXX XXXX 2016, Synchrony bank send me another letter, in which they continued to extort from me illegal charges {$87.00}. ( See Exhibit XXXX ). 
XXXX XXXX 2016, I send letter asking Synchrony bank to remove illegal charges from my account, otherwise I would considered it as a fraud. ( See Exhibit XXXX ). 
XXXX XXXX Synchrony bank notified me that they removed part of these charges, but {$20.00} remained as outstanding balance. ( See Exhibit XXXX ) XXXX XXXX they send me Email, continuing to extorting money from me. This time they made {$58.00} charges for nothing. ( See Exhibit XXXX ). 

Please protect me against Synchrony bank 's fraud and distortion.

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 2015-06-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I visit a XXXX office XXXX XXXX XXXX. I was told that I would need braces and that the office can get me finance by a bank they use ( carecredit ) I was quoted {$2900.00} for the job. At first all seams to be perfect and I was able to go there very month after I received the first XXXX that I was going to wear until XXXX were done. my appoiments were then 3-4 months since XXXX was not longer coming to the office every month anymore. I got feed up and I told them I was going somewhere else they told me i would owe them all the money still beacuse they had gotten paid. 
credit card paid a job that I never received and make me liable for a job that was not compleated making me pay for a service that it was not rendered. I think I should not be liable also the have damage my credit I was tken advantage by both XXXX and Credit Card company!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I made two payments XX/XX/XXXX to the TJX Rewards Mastercard. The account is closed and I do not use the card, I just want to pay it off. One payment was made on or before the due date of XX/XX/2016. The other payment was made on XX/XX/2016 to pay XX/XX/2016 payments. I paid at that time because I had the money and because if I wait to pay from XX/XX/XXXX 's first paycheck, I run short due to rent. XX/XX/XXXX they started calling me telling me I did not pay XXXX 's payment. I explained to them that I did XX/XX/XXXX. The payment made XX/XX/XXXX was for XX/XX/XXXX. I have had three telephone conversations with them ( heated ). They led me to believe they would credit the payment for XX/XX/XXXX and refunded the late fee for XX/XX/XXXX. However they have still not properly credited the payment and I continue to receive harassing phone calls from their collections department. By refunded the late fee, they have admitted there error as far as I am concerned, but the harassing phone calls continue. I received 3 already today before XXXX ET. I do not answer, but I know it is them because the numbers are unknown. They agreed on the phone to properly credit the payment and the late fee. They have not properly credited the payment. As a result of their refusal to properly credit the payment, I will incur a late fee each month because they are considering me a month behind. I paid for the month they are disputing. I am not going to pay them again.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a credit card for Sam 's Club issued by Synchrony Bank which I closed in XXXX of 2016. I had earned a cash reward of about {$170.00} which they are refusing to give it to give it to 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 monetary relief
Consumer complaint received 2015-07-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I 've been getting collection calls from JCPenney about a car that I do not own. I 've never had a JCPenney card. I do not do business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.

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