vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have paid my bills on time and have a good relationship with my creditors. However, my new Walmart Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit 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 2015-06-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have XXXX different retail credit cards managed by Synchronicity/GE. All of them with decent limits. I was running balances on all XXXX, with perfect payment history. I paid XXXX of the cards in full and 80 % of the other card. Suddenly, the limit on that card was lowered to {$300.00} with no explanation. The other XXXX limits were then raised. This is fraudulent. How would a bank determine they want to dramatically lower your limit on XXXX card and then drastically raise your limit on the others? When I called, they said they did n't have access to the reason, and that I should be receiving a letter explaining why. I received a letter that in so many words stated they re-evaluated my credit and made the determination. This is unjust and I would like to see some action take to bring my limit back up. Closing these accounts would severely damage my credit that is important to me as it is to all of us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BG Lenders Service LLC
State: NY

Complaint narrative:
A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail

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 2016-04-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a card through Care Credit/Synchrony Bank. I recently fell behind on payments and was contacted from someone through them. I believe it was a collection agent. We setup a Hardship plan of {$77.00} a month. My account was showing a current balance due of around {$400.00}. The person I had spoke with let me know that my monthly payments will start right away at {$77.00} and the current balance showing due will continue to show on the site but that the {$77.00} will go in affect right away .... I went on the website to setup automatic payments of {$80.00} to pay towards my account since I was told my new monthly payments are {$77.00}. When my first automated payment was sent through. They ran my card for {$300.00}. I called Care Credit/Synchrony Bank to ask them what had happened and they told me the automatic payments run the amount showing due. I let them know about my plan I had setup of the {$77.00}. The person I spoke to told me I will be receiving a check in the mail to refund me that amount that of {$300.00}. I made sure to double check that I for sure will be receiving a refund and they assured me I will be. Then a couple days later I received a letter in the mail saying that the refund was declined. I called and explained the situation. They basically told me there was nothing they can do. If they refund me the amount it will show my account in past due status which is not entirely the case since I was told my account would still show that amount due but my monthly payments will start at {$77.00}. XXXX people I spoke with assured me information that ended up not being correct and I was a victim of that. I spoke with a supervisor and let them know of the information I was given and they basically told me there is nothing they can do about wrong information previously given out. If I would have known the amount of {$300.00} would have been taken out of my account I would have not setup the automated payments but I was told previously my monthly payments will start right away at {$77.00}.

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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I paid my account down in a large lump sum to decrease my utilization under XXXX %. Every time i make a payment the company reduces my credit card by the amount that i pay down. Its reflecting on my credit report as if i am maxing out my credit limit but i am not. I am paying it down and synchrony bank keeps reducing to show that i am almost maxed out., and they continue to do this without my knowledge. They do this overtime. I have been a costumer for over 5 years now with all my credit cards and have never been late on payment.

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 2016-07-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: OH

Complaint narrative:
I applied for a reverse mortgage at the urging of a loan officer and was refused the loan. I told her that I had a recent appraisal and that I did n't think I had the value needed. She looked at something in her office and assured me that she saw like homes with a much higher value in my neighborhood. I paid for the appraisal and consumer counseling at a sacrifice, to be told that my initial thoughts were correct. She told me what the appraisal was, it was more than I thought but still much to low to get the loan. I requested that she send me the appraisal and she never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony Bank 's, for the American Eagle credit card, online system shows a late fee despite my payment being made on-time ( by XXXX XXXX at XXXX Eastern ). I made my payment at XXXX Eastern. According to the unprofessional CSR talking over me and laughing while I was talking to her the system automatically generates a late fee if a payment is posted to the account by XXXX. This was not stated in any notice to me. She claims that " the system '' does n't recognize the payment until the payment posts and is no longer in a pending status. All I saw was a notification e-mail that I was charged a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.

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 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Credit line increase hard pull On XXXX/XXXX/16. 
I used the online service to request a credit line increase for my Walmart credit card. Upon doing so, I received an automatic electronic message indicating " unable to process online credit increase for this account ''. I contacted customer service, who failed to inform me that requesting a credit line increase via telephone will result in a hard pull. The representative only asked for my annual income and amount of increase ( how much ), then immediately processed my request. I was denied. He said I would receive a denial letter via mail within 7 days. Thus, I inquired if my request was a hard or soft pull based on the fact I did not regard the credit request as an actual application process and I was not advised beforehand by the representative so that I may opt out of my request. I immediately expressed my concerns regarding his lack of providing adequate and appropriate customer service relating to credit limit requests.

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 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received Credit Card I did not request.

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 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. 

They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. 

Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. 

I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. 

Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCHROINY BANK/CARECREDIT FAILED TO ACTIVATE XXXX INSURANCE ON THE ACCT THAT WOULD PAY THE ACCT IN FULL

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 2015-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.

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