vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I get a report of Having a J C Penney credit card who does n't belong to me but to my mother who pass away 2 years ago. I want this account to be closed and removed from my credits reports immediately. This account does n't belong to me please removed it.

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 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: USA DISCOUNTERS LTD
State: TN

Complaint narrative:
I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a TJX mastercard through GE Capital. I did n't sign up for or request to receive e-Statements. However, I somehow was told I did. This happened when I got a paper statement from a collection agency As soon as I realized that the payment was missed, I asked them why and they said I signed up for e Statements. I did n't. The email address they had on file was n't even mine. I was able to get them to reduce but not forgive the late payment fee. It did n't occur to me that I would be rated XXXX days late. Now they are telling me it 's my fault it was late since I should 've remembered I owed them. This XXXX-late is the only blemish on my credit report. I was an error on both parties -- - I guess I should 've remembered and mailed a payment ... but they still had the incorrect email address and I did n't opt in to the e-statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
In XXXX of 2013 we used our Lowes card as a family of military veterans to purchase appliances for our home. We had planned to pay off the card before the introductory interest and service fee period ran out. Unfortunately, I had XXXX, so we were unable to pay off the debt ; due to my sudden permanent XXXX. We contacted Lowes and let them know, and the qualified us for an assistance program, that was supposed to withhold interest and fees, that they never actually put us on. We owe {$1700.00} on our Lowes card. After the egregious " service '' charges, interest fees, etc came through on our account, that sum is now {$5200.00}! That is {$3400.00} in charges! For what?! We have been making the payments that we can. We have already paid {$1000.00} in their horrendous fees. I am now protected by the XXXX, and I am told by the XXXX that because of my status as a XXXX person, we can get some or all of the debt discharged. Today, XXXX/XXXX/2015, I was told by XXXX that that is n't true. That they do n't have any allowances for XXXX people, and we should have paid the card off, because this extra {$3400.00} is our " punishment. '' Imagine that. Nearly {$3500.00} " punishment '' charge added on for becoming XXXX. This seems so very wrong wrong wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
last year i purchased a desk, dresser, and a bed frame from XXXX, i had to pay a fee for them to put the furniture together. It took two months for me the get the items, when the workers came i mentioned to them about putting the bedframe together. He told me that it was n't his job, it was only his job to deliver the furniture. I sent everything back and began a dispute with m my XXXX. last year on XXXX/XXXX/XXXX XXXX charged my credit care again for {$710.00} and XXXX/XXXX/XXXX for XXXX, again i am in the process of filing a dispute against XXXX because i am no longer buying things from them and yet they continue to charge my visa, my credit score went down from XXXX to XXXX because of them maxing out my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.

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 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
Conn 's home furnishing refuses to apply a {$400.00} payment to my account from XX/XX/2016. I have called several times, supplied documents, faxed documents and visited the store but they do not acknowledge the receipt of the payment. They received payment by ACH from XXXX. Failure to adequately report payment history according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. 

I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. 

In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. 

Thanks for your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

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 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It is very difficult to understand how a person that you trusted to provide dental services for your family, can destroy the credit that you have been trying to protect. 
XXXX XXXX XXXX XXXX has taken advantage of my good nature to strong arm me into an agreement for extensive services that I did not want nor agree to. 
I did not realize that his disregard for his patient would lead him to deception of services and extraction of undeserved funds. 
I went to XXXX XXXX because I had a painful tooth that needed removing. When the extraction was completed, XXXX XXXX said that he would recommend some additional services. 
I told him that I had to think about it. 
On my way out of the office, the receptionist or cashier told me to sign up for a dental plan to help pay for the additional work just in case I wanted to go forwarded with the treatment. 
Later, I received a bill in the mail that I assumed was for the tooth extraction. 
I paid the bill only to find out that XXXX XXXX had turned me over to a finance credit agency before I had ever agreed to the Additional treatment program. 
This is a situation where I did not realize that my insurance company paid XXXX XXXX for the extraction. 
XXXX XXXX collected XXXX XXXX and XXXX XXXX Dollars from me for something, I do n't know. 
The Synchrony Bank in XXXX, Florida has destroyed my credit because of a treatment program that I never agreed to. 

I have attempted to contact all parties involved in this deceptive practice, but the response has been less than civil. 
I need help to protect my family from this type of predatory abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have sent letters and called many times about this account to Conn 's. Conn 's have CON me out of hundreds of dollars and also have me with a 30 day late on my credit bureau report. This account was paid off in XXXX XXXX. Conns contacted me letting me know that I had a balance on my account as of XXXX XXXX. 1 1/2 year later they called me and told me I had a balance still owed. Conns also harass me by calling me multiple times a day after I repeatedly asked Conns Not to call anymore. I talked to someone at Conn 's on XXXX/XXXX/XXXX. I asked her what was the balance because I wanted to pay the account off because it was a promotional purchase of {$1600.00} if paid by XXXX XXXX. I paid her the total amount she told me I owed on XXXX/XXXX/XXXX. This is FRAUDULENT of Conn 's not to give a fair investigation to my account, I paid on all my accounts on time. They are still collecting money from me on this Account. I asked them several times to pull the tape of the call I called on XXXX/XXXX/XXXX to make my final payment which she said was {$950.00}. I also talked to someone on XXXX/XXXX/XXXX and she said if I paid {$150.00} that my balance will be paid in full. She lied. I was still being harass and then I found out that they reported me 30 days late on my credit report. I have ALL my receipts and paperwork. I can be reach at XXXX to discuss this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD
State: TX

Complaint narrative:
I believe i may have been a victum of fraud by USA discounters. Looking for more information.

Company response to consumer: Closed
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
As a member of Amazon Prime I applied to a store card due to the perks provided. I was approved and account opened. The creditor Synchrony Bank involuntarily enrolled me in paperless statements. I was not aware of this enrollment and thus did not receive a paper statement to make a payment. I found out about the issue when my transactions were being declined and I contacted Synchrony Bank to understand why. I was informed my account was past due. I informed them I never received a statement to submit payment. I was informed I was enrolled in paperless statements which is why I was n't receiving a statement. Once that information was provided, I switched back to paper statements and made the necessary payments to bring my account to current. I later found Synchrony Bank provided negative information to the credit bureaus for late payments/delinquency. I had asked that be corrected since it 's their fault payment was n't make due to involuntarily enrolling me in paperless statements. As of today, those negative marks are still on my credit bureau reports ... ..I want them removed. Synchrony Bank should not be able to just enroll people in paperless statements. None of my accounts are paperless as I do not manage my accounts in that fashion. I use paper statements ... .thus the reason account was n't paid as required during initial months after opening. Once the issue was identified, the account was immediately brought current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Called my work and told a coworker that they were going to serve me papers on a discharged credit card. Coworker called me with contact information. I called them back. XXXX knew an awful lot about my credit. I told him that the card was discharged with a BK in 2008 ... he claimed it was never in the BK. I know better than that but told him I had to talk to my husband. He made me an " offer ''. This is a third party collector whom I can find nothing about doing either a phone or web search. I did find a site with other people claiming the same tactics were used. They also identify themselves as a Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I just want to let you know that I never had an American Express card. I want it off my XXXX report because it should have never been there.

Company response to consumer: Closed with explanation