vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card called Care credit. It is a credit card that has no interest if you pay off your promotional balance within a said amount of time. I would only assume that all my payments would go to pay off the oldest balance. However I found this not to be a true statement when I was charged an absorbance amount for interest. I called to see what they balance had not been paid down and or off and they stated that I must call in each month and allocate where I want my payments to be placed. Ive never heard of such a practice. I called and demanded that they credit the payments I 've made since XX/XX/2015 to the latest running balance and was told they could only allocate for the last 6 months there for im being charged XXXX in interest.

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 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I am not sure I checked off the best description of my issue as none really seem to fit. I have several accounts through Synchrony Bank that were in collections. I have faithfully paid the collection agencies each month on time. I recieved a letter today from the collection agency I have for XXXX accounts. They said they are no longer servicing the account and that a different collection agency was. I called that collection agency and they told me that Synchrony had withdrawn all XXXX accounts and that I would need to call them. I called Synchrony and was bounced around from once department to the other and finally was told that they had no information on my accounts and I would need to call back later. Really? I am trying to at least own up to the arrangements I made and now they ca n't tell me anything. I do n't want any threatening calls or letters. I have had more issues with Synchrony than any other agency I have ever worked with. I have no idea who to pay now. The letter I recieved told me not to pay them any more. Well they are automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I previously reported a duplicate entry to the creditor. They removed the duplication from my XXXX XXXX credit report ; however, it is still reported on my XXXX credit union. Therefore, I am submitting this complaint on the creditor due to their failure to correct this information with all three credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have repeatly applied for Credit and have been refused. My Ex-wife sold me property under a fraudulant Document. I filed for divorce and paid the court ordered support. I have been told if I want this harassment to end I would have to remarrie her. She has abused me financially since 1969. Presently I ca n't get a Credit Card. It seems as if I am a Target for Fraud.

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 2016-09-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is related to Paypal credit, In 2013, I signed up for Paypal credit and used it to shop online. My paypal account is connected to my bank account, and in the first few months the credit balance was automatically charged out of my bank account. However, it seems that they changed this setting along the way without my permission. So I was shopping online while my credit bills were not paid, and they did not send me any emails about this. I had a {$500.00} credit there and used about {$200.00} of it, thinking all the time that bills are automatically drawn from my bank account. 
Then after a few months I get a letter from a collection agency. Turn out that Paypal ( or their partner, synchrony bank ) charged me about {$40.00} for late fees each month, and then charged off the whole balance ( {$200.00} spending + {$300.00} late fees ) and sold it to a collection agency, which hugely affected my credit score. 
I ask you to please look into this, and let me know how I can get rid of this debt. ( I have no problem re-paying the {$200.00} that I actually spent )

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 2016-01-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Remit Corporation
State: MO

Complaint narrative:
My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is for SYNCB Paypal. I have tried to get them to remove the erroneous information they are sending to the credit bureaus. The debt was paid 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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.

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 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was off work on medical leave for 3 months. I slipped a bit on some of my bills. I sent Synchrony ( Lowes ) a payment to get caught up after I received an insurance settlement. They had already cancelled my account. I had been sending them money but they said it was n't enough. They call my house anywhere from 4 to 10 times a day 7 days a week. The same for my cell phone. I set up a 2 month payment with them and made the payments. The day after my second payment they called and asked for more money. I know I owe them and do n't need reminded 70 times a week. I am getting back on my feet and sending them some money but they are killing me with fees and charges on an account that is closed.

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 2016-08-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
hello this is a continuing problem we had with this bank and this company we field complain after complain about them and nothing is being done we had problem with the items we purchased from pep boys there way of fixing was we owe XXXX out of which XXXX are late fees we iformed them of our situation and where promised that late fees will be taken off the still reported us late to credit agency

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 2015-12-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
We bought a bed at XXXX in XXXX, XXXX We filled out an application for XXXX separate credit cards with Synchrony Bank . XXXX was approved at {$5500.00} and the other XXXX approved at {$2700.00} for the full purchase price of {$8200.00}. The transaction was all charged to the XXXX card approved for {$5500.00}. We have called the store 8x and customer service 8x to have to charges corrected to reflect on both cards. Synchrony bank will not fix the transaction. The store says they ca n't either. The transaction shows on the monthly statement as all being charged to XXXX credit card. It shows the card is being utitlized 141 % of the credit allowed. The transaction has destroyed out FICO XXXX points negatively. They will not correct the problem to put the charges on both credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.

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
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The credit company will call M-Sunday from XXXX to XXXX at night. they do not leave a msg and call every XXXX continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The lender obtained a new credit report and score for me, without my express permission, and used that new information to judge and lower my credit limit with them removing all of the available credit I had on my card even though I have never had a missed or late payment with them during the XXXX years that I 've had their credit card. Their action changed my credit utilization on that card from about 60 % to over 99 % causing an adverse effect to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score

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 2016-05-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I recently submitted a complaint against Synchrony Bank on another XXXX of my credit cards. Unfortunately for me, Synchrony Bank is such a large institution that is attached to ALL of my credit cards, but XXXX. I have been paying on my accounts and have not been late. I have been trying to pay my credit cards to a zero balance. After I submitted a complaint with regard to a couple of my other cards, I most recently received ANOTHER statement from Synchrony with regard to my Walmart Credit Card. I recently owed approximately {$25.00} as a payment on my Walmart Card, my monthly amount due. I paid {$100.00} on my account, because I am trying to get it to a XXXX balance. After I submitted my complaint and payment, Synchrony Bank sent me the attached letter indicating that they were reducing my credit line amount. I recently check my credit reporting status and it is indicating that a portion of my poor credit status is based on the fact that that the amount of my credit lines are maxed out to the amount that I owe. I have been trying and trying to correct that, but each time I make a substantial payment or file a complaint with your agency, I am punished my Synchrony Bank with a lowering of my credit line. I am at a loss. Your agency has not helped me and Synchrony Bank, certainly has not. I thought you were established to protect the consumer. This has certainly not happened in my case. I have been trying my hardest, only to have Synchrony Bank, because they are much larger than me, hurt me, the consumer. I really wish your agency would do something about this! Thank you. As a post script, I DO have a few outstanding medical invoices being reported due to an accident. This accident claim has been settled and these should be removed from my credit shortly. Thank you for any help you can provide me. I am at a loss with Synchrony Bank and really am trying my hardest to increase my credit score. Each time I increase it a little, Synchrony Bank makes it decrease.

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 2015-06-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.

Company response to consumer: Closed with monetary relief