vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I applied for a QVC credit account and was approved shorty after placing a order for one of there items without notice my account was closed without any notification to me. When I called the representative stated I owed a passed due balance of {$37.00} and this would need to payed before my account could be reopened. After giving them my debit card number to pay the outstanding balance QVC has not responding on reopening my account that they approved me for in 2015. I would like them to know that closing account can cause damages to my credit and I the customer was not notified of the closing of my account of given a chance to pay the balance before closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.

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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I installed a new furnace in my house in XXXX XXXX. Through the heating company they gave me a XXXX credit card through Synchrony bank. I thought 'Cool. I can pay this off in installments '. Silly me, I made my payments without issue for about a year and a half. I did n't pay close enough attention because sometime in there they started charging me {$120.00} / month for a card security fee I did not agree to! I sadly did not notice this until all of a sudden I am over my credit limit and they are wanting a payment of {$700.00}. Shame on me. I checked my statements. Apparently to make up for lost time, there were some extra charges in there. I contacted Synchrony. The first person i talked to told me they could n't do anything. I asked for a manager. I explained my situation and she told me i was not the only on that had this happen. Seriously? They think this is okay? She then directed me to another company. I was able to get a {$5600.00} credit. I thought this would help clear up them thinking I owed more than double my normal payment. I was wrong. 
I called them to clear up the misunderstanding and for them to fix the damage done to my credit score. I was told I had a payment that was paid, online, two days after the due date in XXXX XXXX and this was why it was late every month there after. Two days!!! They do not have a grace period and did NEVER mentioned that in any form of communication or on their website. I am now struggling to get my credit score fixed. 
If you look at my account with Synchrony, I do not currently owe anything. however on their end I am {$300.00} behind. 
I would not recommend doing business with Synchrony to anyone. This has been a 3 month battle for me and I am still fighting to get this cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I enrolled ( and have since unenrolled ) in electronic statements from Amazon'sSynchrony Bank system. I thought I read everything carefully, but nowherenoticed that I would not be seeing my individual transactions listed -- just thedollar amount of those transactions. Now it is true that one could go back andresearch all of the monthly transactions, but that 's like reinventing the wheel. 
Is this format truly acceptable? Paper statements do include individualtransactions and I do not understand why since both are managed by the samecompany they should not be identical. Thanks for any consideration you canget to help me understand this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Student Assist Plus LLC
State: IN

Complaint narrative:
I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank- Amazon has denied me statements and my full account number. When I complained about my account status and not having full account information they blocked my online access to my account altogether and I have screenshot to prove. The XXXX time I tried to contact them by phone I had to go through horrible automated system and then wait XXXX minutes on my lunch break and never got through. The XXXX time I tried I got through and when I told them I was worried about my account and that I was worried about its effect on my credit report, the agent avoided my concern. I was told my account has been open since XX/XX/XXXX. I told them this could n't be I never heard of Synchrony bank until they started leaving me voicemails beginning of XX/XX/XXXX. After researching it found out that Synchrony was formerly GE Capital Retail Bank and I was n't notified of the bank name change either. What the agent said next was terrifying, he mentioned my XXXX credit card. How did he know I had a XXXX credit card? I did n't disclose any such information to him and he should n't have such information. I did n't want to draw attention about this suspicious business practice so I did n't mention anything more about my unrelated XXXX card. I am so concerned about this company 's seemingly illegal practices I am going to send a request to XXXX to have Synchrony Bank barred from my credit report altogether.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TN

Complaint narrative:
Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My account was unjustifiably closed by form letter. I am concerned that this will negatively effect my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel 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 2016-06-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank charges interest on late fees. They said that late fees are considered part of the total payment and purchases.

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 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SOUTHWEST FUNDING, LP
State: TN

Complaint narrative:
Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.

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 2016-03-31 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of XXXX or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley XXXX and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high premium insurance fees and when i apply for the insurance protection that i am titled to they always decline the claim based on nothing.

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 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Again did not recieve letter with rights to validate debt. Violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through XXXX credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, XXXX Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, XXXX of which essentially refused to cancel my account through either no information detectable ( XXXX ) or LONG telephone wait times ( XXXX ). 
This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have to update my credit card information with each vendor. I filed a complaint with your agency regarding XXXX and my account was finally successfully closed. I received an email from XXXX on XXXX/XXXX/16 saying there was a problem with my account, namely that they could n't charge my credit card anymore. So I thought that the issue was resolved. WRONG! Sometime between then and XXXX XXXX, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to XXXX who then updated my account and charged me for the credit monitoring again, twice ( XXXX and XXXX/XXXX/16 ). 
I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my EXPRESSED concern. 
Now if XXXX took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps XXXX is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( XXXX ) refused to handle my call in a timely 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 explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX ( MCM ) purchased a charged-off account of mine from Synchrony Financial. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, XXXX assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.

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 2015-08-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Blueshore Recovery
State: NJ

Complaint narrative:
the lender will not stop calling harassing me and my family members this payday loan was from over XXXX years ago I filed a bankruptcy in XXXX 2015 Case Number XXXX that has not been discharged or dismissed it is still active -- XXXX phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I signed up for a care credit card which was offered through my doctor office for the use of my visits. At first, they charged me {$2.00} for interest in the first 1-2 years and there after the interest spiked to an exorbitant amount. Below, are the excessive fees that are applied to this card. 

Interest charges are the following : XXXX/XXXX/XXXX {$790.00} XXXX/XXXX/XXXX {$340.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$63.00} Balance in XXXX XXXX ( prior to these large interest charges ) : {$2200.00} Current Balance as of XXXX XXXX : {$3000.00}

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 explanation