vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.

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 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am getting 4 calls a day, including Sundays and early mornings, from an automated recording telling me I have debt to pay, then it says a number I need to call to clear the debt. I am behind XXXX payment of {$25.00}!!! I have closed this card due to previous unacceptable behaviors from this company. It is an Old Navy card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. 

Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. 

I have left messages for XXXX XXXX twice and received no return call. 

I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. 
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.

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 2016-02-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Sychrony Bank put a 30 day mark on my credit even though I asked a rep if I made by payments on XX/XX/XXXX, I would be in good standing. I tried to make payments on XXXX/XXXX/15 and XXXX/XXXX/15 but the system claimed my bank rejected the payments which is not true. I did not have a returned payments with them. I want the negative credit mark removed because I paid XX/XX/XXXX 's payment on XXXX/XXXX/15 which a rep said I can do. Now I am getting inconsistent information. They claimed they ca n't remove the negative credit mark which the credit bureau advised me that is not true. He state if they want it removed, they can submit a correction with the credit bureaus. I have had several issues making payments with their reps because they clam my bank rejected the payment, this was not true per my bank. I do not think it is fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
my credit line was decreased on my XXXX account, due to inactivity according to their representative, and they failed to notify me of the adverse action taken on my account. 

I have not missed a payment on this or any other account that I own in over XXXX years ...

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 2015-12-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank is now reporting to multiple consumer credit reporting agencies in violation of Section 607 ( b ) of the Fair Credit Reporting Act. 
I filed a XXXX XXXX action on XXXX XXXX, XX/XX/XXXX in the XXXX XXXX of New York. I obtained a discharge on XXXX XXXX, XX/XX/XXXX. At the time of filing I owed a debt to Synchrony Bank. I had not missed any payments prior to filing. Upon discharge, Synchrony updated my consumer credit agency records to show late payments in XXXX XX/XX/XXXX ( after my filing date ) and entered a " charge off '' notation for each month from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. I disputed the notations as violations of both the automatic stay and the discharge order. Through XXXX disputes the bank refused to correct the information. It came to my attention when I investigated a credit score drop. 
Also attached is an FTC Advisory Opinion stating in relevant part " Section 607 ( b ) of the FCRA requires credit bureaus 'to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '. '' It goes on to state " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer FILED bankruptcy. '' Do note that the FILING date is the relevant date and NOT the discharge date. Given this, no information should be reporting after XXXX XX/XX/XXXX regardless of the accounting treatment of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a XXXX Rewards Credit Card issued by XXXX XXXX. I used the card for business travel between XXXX, XXXX and XXXX for XX/XX/XXXX. This card had no annual fee that I was aware of. I XXXX XX/XX/XXXX, and had no more use for the card. I did n't cancel the card right away because I had unused Rewards points on the card. XX/XX/XXXX, XXXX sent out a notice that they were changing credit card companies, from XXXX XXXX to Barclays. I took little note of it because I was not using the card and had no balance on the XXXX XXXX card. I received a new Barclay credit card in the mail but did not activate it. Around XX/XX/XXXX I received a XXXX balance statement from jetBlueCard. It showed interest rates charged, but I found no note of an annual fee. Around XX/XX/XXXX, I received a bill from XXXX for a {$40.00} annual fee. I wrote a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, advising that I have not activated the card and did not see any notice that the card carried an annual fee. I asked the company to rescind the fee, cancel the account and remove it from my credit report. I never got a response from the company. They continue to send me a bill for the annual fee of {$40.00}, and have now added interest and a late charge of {$27.00}. I did n't ask for this card ; It never activated this card ; hence, I never agreed to use it. XXXX XXXX has no right to simply send me a card, activate it, and begin billing me for possession of the card.

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 2015-05-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother 's maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous '' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
More than a decade ago I incurred a debt with XXXX of {$10.00}. XXXX was the bank that issued the credit card for XXXX and XXXX. XXXX XXXX XXXX purchased the debt and took me to court where a judge gave me a judgment of {$8300.00} and monthly payments of {$100.00}. I paid this {$100.00} religiously every month and have bank records to prove it. 

I recently received a threatening and disturbing letter from Selip & Stylianou , LLP who claim they are attorneys at law trying to collect a sum of {$12000.00}. The judge already had a judgment which I paid and then the rest was charged off from my taxes. I have worked very hard to pay this bill and build my credit and these people are harassing me. 

I wish to file a formal complaint against Selip & Stylianou , LLP, Attorneys at Law at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Enclosed is a copy of their letter.

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 2015-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am resubmitting complaint # XXXX. I filled out the answer boxes incorrectly ; I E Debt owed to and Collection company. 
Hopefully, at the end of this questionnaire-I can attach my fiole describing all of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint against Synchrony Bank ( XXXX XXXX XXXX, XXXX, FL XXXX ). Synchrony Bank is affiliated with several companies that I have or had credit with, namely JCPenny Credit Card, Amazon, Old Navy, Discount Tire, Walmart and PayPal. My complaint with them relates to account ( s ) limits authorized with them and their reduction of my credit limit without warrant. It is not the fact that the credit was reduced, but sometimes reduced below my original credit line which ultimately negatively affects my credit score. In the case with Old Navy, the account was paid in full and Synchrony failed to notify me. Around XXXX time, I attempted to make a purchase and my card was closed by Synchrony. In another case with Amazon, my credit was reduced causing a credit on my account because I had already paid the balance in full. Synchrony kept the credit on my account and did not refund me the difference. In another case with JCPenney Credit Card, the credit limit of {$210.00} was reduced to {$100.00} which negatively affected my credit. I strongly believe that the posture that Synchrony has taken with my accounts has negatively affected my credit causing me hardship and XXXX on my family.

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 2015-08-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
yes me and my mom have a walmart master card.my moms XXXX years old XXXX and has a hard time talking on phone. we just made XXXX purchaases. on line at XXXX?? and another charge at local food store??? thouse XXXX things only charged. tried for some cash at a atm machne would not go thru???? we had ge capitail bank with card before synchrony bank took over at wamart???? we never had problems with ge capital and used card many years.they sent us a letter stating that they placed a restriction on our account toomake sure no fraud occuring???? this is a joke and were about too cancel account. i contacted the XXXX. but have not heard anything from XXXX????? i also told XXXX that im about too get power of attorney on moms bills this week?? im her son and caregiver past 3 years now???? and we dont need too be upset by all this fraud XXXX???? my mom lets me usecard all the time/ moms name XXXX by the way.also the letter we got in the mail from there fraud dept. you can have them call me XXXX XXXX her son at XXXX cell but till i ge power of attorney they might not want too talk with me??? up too them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My first statement from the company was sent directly to my husbands ex wife at her address instead of mine which was provided on the application for credit. I was told by the company that this was a USPS problem but upon receiving the statement from my husbands ex, it was sent directly to her with no yellow sticker on the envelope & the USPS management not having anything on record.

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Financial Bank / Care Credit Fail to post payments and allocate them to the correct promotion. causing undo stress of dealing with XXXX reps a poor phone system that keeps you on hold for over 1 hour. and reps refusing to do their job correctly. continued follow-up calls need to be implemented for this to get done. It 's pretty sad that you need to turn to social media sites to get action and have been blocked due to threatening a class action lawsuit.

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 2015-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them,

Company response to consumer: Closed with non-monetary relief