vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am in the process of being defrauded by Paypal and XXXX bank. I signed on for a credit card with Paypal through XXXX ordering. My interest rate was reasonable low at the time. I believe it was in the teens. 
I ordered on it but got XXXX soon after. I was n't paying attention to my bill. I just charged and paid the payments. It was only when the payments escalated that I took notice. 
My statement showed that only XXXX dollars of almost XXXX dollars was going on the principalALL THE REST WAS INTEREST, I called Paypal and asked questions. I asked when was my interest increased that I was never given notice or I would have closed the account sooner. I WAS TOLD MY ACCOUNT WAS THE SAME ACCOUNT. I THEN CLOSED THE ACCOUNT AND SETUP A PAYMENT PLAN. I was to pay XXXX per month. I also on my own paid down XXXX to get the owed amount down much lower. I CALLED LATER AND TOLD PAYPAL THAT IHAD FOUND XXXX OF MY ORIGINAL STATEMENTS THAT SHOWED A DIFFERENT ACCOUNT AND THAT IS NEW ACCOUNT WAS NOT XXXX I SIGNED ON TO. 
They insisted that it was the same. 
About XXXX wks I started receiving calls with no person just a message to call GE. I did n't understand this because GE meant nothing to me. I did not say PAYPAL. 
I called and found out it was XXXX bank and they wanted XXXX dollars per month from me. I REFUSED. As this is a payment TOO LARGE FOR ME TO PAY. I AM A SENIOR WITH ONLY XXXX AND I CAN NOT PAY AN AMOUNT THAT LARGE AND LIVEI also think SYNCHRONY HAS NOT BILLED BE ACCURATELY. I THINK THAT THEY DID NOT PAY THE CORRECT AMOUNT TO MY BILL AS THEY CLAIM I ONLY PAID XXXX DOLLARS TO THE PRINCIPAL AFTER PAYING XXXX DOLLARS FOR OVER A YEAR. 
WHERE IS MY MONEY. WHERE IS THE XXXX DOLLARS PLUS XXXX PER MONTH. I also believe that XXXX NEVER ABIDED BY LOWER INTEREST RATE DURING TIME PERIOD. THE INTEREST CHARGED NEVER LOWERED. IT APPEARS THEY ARE HIGHER THAN EVER. EVEN WITH PAYING XXXX DOLLARS IN PAYMENT LAST YEARI can never pay this bill off. First of all I do n't feel I owe this amount. I believe I have been defrauded and am continuing to be harassed and defrauded even after trying to paY this fraudulent bill. I have cancelled all my future payment until this investigation is over. IT IS A WASTE OF MONEY AS LATE FEES AND MORE INTEREST ACCRUS TO CONSUME THE ENTIRE PAYMENT OF XXXX DOLLARS. THIS IS INSANE AS MUST STOP. 
I need all of my records to be produced and investigated. All paypal accounts. XXXX is buying up NUMEROUS COMPANIES and I believe that all manner of cross billing andfraudulent interest hikes are rampant. EVEN RIGHT NOW. PAYPAL IS CONTINUING TO HARASS AND BILK CONSUMERS. 
Something must be done. Even the FBI called in as these accounts are being altered online. 
I NEED HELP NOW. 
Sincerely, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I placed an order with Amazon.com on XX/XX/XXXX for approximately {$200.00}. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over {$140.00}. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named XXXX said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I explained that this has never happened before and I routinely place orders with Amazon that are over {$200.00}, and sometimes over {$600.00}, as you will see that I currently have promotions for 6 months to 1 year. When I continued to question as to why there was a hold on my account, she asked me to wait while she removed the hold. She came back to the line and said not to worry, as she 'd removed the hold, but she either could not or would not provide definitive explanation as to the reason there was a hold on the 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 2015-08-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX/XXXX/15, I entered into a an agreement to purchase furniture at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX salesperson convinced me to finance the entire purchase with a promotional financing agreement that she was offering through Synchrony Bank XXXX It was an 18 month no interest financing promotion. I received my Synchrony monthly statements and the furniture was indeed financed as agreed. Unfortunately, the furniture was never delivered. The specific delivery date was rescheduled by XXXX XXXX XXXX XXXX twice. In XXXX 2015, I finally complained to Synchrony Bank that the furniture was never delivered and that they should not pay or Synchrony should reverse the payment that they did make to XXXX XXXX XXXX XXXX Synchrony Bank responded to me by letter dated XXXX/XXXX/15 that they had given me credit but that there was a 35 % cancellation fee that I would be responsible for. This 35 % cancellation fee ( {$2200.00} ) made no sense to me since I did not cancel the order but rather I was the victim of a consumer fraud perpetrated by XXXX XXXX XXXX XXXX ( a sales agent of Synchrony Bank XXXX. The furniture still has not been delivered although I never cancelled the order. I called Synchrony Bank more than XXXX times to try to resolve this dispute nut Synchrony continues to bill me a {$2200.00} cancellation fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: NC

Complaint narrative:
On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.

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 2015-07-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I called the Chase Fraud Department for an update of my pending fraud case involving my Chase Freedom credit card account. 
The Chase officer had declared telephonically that all XXXX charges were determined as Unauthorized and/or Fraudulent, and that these charges were going to be credited back to my account. Moreover, and a check for over payment from Chase would be mailed. 
The Chase officer stated all charges identified as " XXXX '' ( XXXX ) dating back to XX/XX/XXXX were determined to be unauthorized charges by XXXX. I was then instructed to discontinue sending monthly payments to Chase. 
A week later, I received a Chase check for {$840.00} for over payment on a balance riddled with fraud by XXXX. I was delighted the case was finally settled after 5 months. In addition, I received a Chase statement clearly indicating the credits and payments no longer due. 
However, an unexpected call from a unidentified Chase financial officer about a week later was received about XXXX. My husband and I listened in shock and disbelief as the Chase financial officer stated " I see no fraud '', and proclaimed all previously dismissed XXXX charges in question are now resurrected, and that I have to pay the balance. 

When I told the Chase financial officer the case was settled a week ago, and that I a check from Chase for {$840.00} has been proffered, the officer seemed stunned and at a loss for words ; asking who, what, and when? 
Moments later, she alluded that the settlement by the other Chase official did not matter, whereby, declaring my settlement null and void. In that, I will be receiving a revised Chase bill resurrecting all previously determined unauthorized charges. I retained as evidence my Chase statement showing fraud charges had all been credited back to me and payments to Chase no longer required. 

To my disbelief, the Chase financial officer had simply, in matters of a few minutes, usurped a competent Chase official who credited my account and settled the case after five ( 5 ) months of investigation. Presently, I am saddled with debt that had already been identified as fraud and had been forgiven. 

I respectfully request that the CFPB intervenes and upholds my settlement regarding my fraud case involving XXXX. The evidence shall show the Chase financial official in question, had unnecessarily intervened striking down my settlement, and clearly demonstrating a questionable business practice that would be appalling by most or all consumers, as it clearly opposes negotiating in Good Faith and applicable laws protecting consumers from frivolous and outlandish business practices motivated by self-serving needs based upon a whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Synchrony Bank via XXXX opened a credit card account in my name. They sent me the card which I did not activate. Nevertheless they opened the credit card account and certain XXXX charges ( all justified ) were charged to that account. XXXX denied any association with Synchrony and Synchrony refused to close account unless I provided information they should not of had i.e. birthday, Social Security number etc. I refused and they told me there was nothing they could do to close the account. Numerous calls to Synchrony produced no resolution although they did waive an unauthorized {$1.00} charge. After many complaints to XXXX I finally received a letter from Synchrony stating I was a victim and someone had opened an account in my name. Yes, but it was Synchrony that opened the account and activated it without my permission not some unknown person.

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 2016-12-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an email with an advertisement. They promised a reward for using the card for transactions totalling at least {$150.00}. But I did not get the reward, despite spending more than {$250.00}. I called up the contact center. After being on the phone for close to an hour, I was told that they did not have a record of any such promotion. I feel it is a case of false advertising.

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 2016-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. 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 monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Monthly agreement was made with Synchrony Bank to make payment on the XXXX of every month in the amount of {$21.00}. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.

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 2017-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Summary statement : I signed up for automatic online payments with Synchrony Bank, but Synchrony did not initiate the automatic payments resulting in late fees. Facts with attachments : I entered into a 2 year consumer loan with Synchrony Bank to finance a google pixel phone. I scheduled reoccurring automatic payments twice. Payments were to begin XX/XX/2017. I set up automatic payment on XX/XX/XXXX ( attached ). The first automatic payment did not occur and I received a late fee and notice on XX/XX/XXXX ( attached ) and a late fee on XX/XX/2017 for {$27.00}. After calling the bank, they said that they saw that the payment was scheduled but would take a month to go into effect.I made the payment on XX/XX/XXXX, and they said that they were going to remove my late fee but they did not do so ( attached ). I changed my payment amount over the phone to a higher dollar amount ( about XXXX ) so that I could pay off the loan in under a year. I made a payment over the phone on XX/XX/2017. I was also charged {$14.00} for an unknown reason and then the charge was removed, both on XX/XX/2017 ( attached ). A representative assured me over the phone that my reoccurring payments would go into effect for XX/XX/XXXX. On XX/XX/XXXX, I received a normal statement : the payment was due on XX/XX/2017 for {$66.00} I made the payment on XX/XX/XXXX, and they removed the {$26.00} late fee ( attached ). On XX/XX/2017, I paid XXXX through the automatic payment system, and then the payment was removed via 'payment correction ' and I was given a late fee for {$38.00} ( attached ). I had enough money to cover the payment ( attached ) and there was no indication that Synchrony tried to charge the money through the automatic payment. My prior payment on XX/XX/2017 came out of the same account without trouble ( 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 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed bankruptcy in 2006, it has recently been discharged and my mortgage company has stopped sending me statements. When I requested statements they said it 's there policy to no longer send statements to anyone who filed bankruptcy and did n't re-affirm their loan when they filed. Additionally, it 's too late to do anything now because it has been discharged and there is no way to get a statement from here on out. -

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

Complaint narrative:
Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation