vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My wife and I have been called repeatedly by Lowe's/.Synchrony Bank by their XXXX call center. They stated we had not paid them since XXXX 2015. That is because our account has been paid off in full. The call center agent accused us of not paying our bills and even asked my wife, ( she is not the card holder ), if she paid her bills. I have spoken with XXXX of the call center reps when he threatened to turn us over to a collection agency. 
I would like to make other consumers aware that the Lowe 's Synchrony Bank demonstrates very poor business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
After reviewing my credit report, this company has XXXX different credit accounts listed.i only had XXXX CCA with this company and the account has been paid and closed for several years. This company is currently still reporting to the credit bureau as of 2015 and I have n't had an account with this company in several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.

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 2016-11-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2016, I made a payment via IVR phone of {$110.00}. Today, I called CareCredit to see what my account summary/balance was and found out that my payment was not processed since the balance was even higher from last month. I spoke to customer service and they did not help me at all. They stated that my payment was reversed but I did not receive that money back. My bank statement says that they took out {$110.00} and I also called my bank to confirm and my bank stated that the payment was accepted. I also three-way my bank rep and CareCredit rep to speak and again the CareCredit representative was no help! I also called them again to figure out where the money went and the CareCredit rep did not have the answer. He told me to send my bank statement to their complaint dept and I asked him how long is the process of getting this resolve. Again, rep did not know the answer. Now, I do not know if I should pay my bill again. I received a late fee but would like to resolve this issue before I make another 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 monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: NM

Complaint narrative:
I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.

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 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX , XXXX out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX XXXX, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. 
In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. 

I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.

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 2017-03-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I went to the dentist in pain after a XXXX, he said I needed a XXXX. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit application. I felt pressured into signing up for a credit card that I think is probably a pretty bad credit card. I was in pain and it was a high-pressure situation taking place in the dental procedure chair. I, regrettably, signed the credit card papers for a charge over {$1000.00}. This charge posted to my new account the same day. Once I finally had a chance to read the terms of the credit card, I decided this was not something I should have signed up for, and it was revealed my pain would require more expensive procedures. I wished I had gotten a second opinion and not been pressured into a new credit card. I contacted my dentist to find out what the real cost of the procedure would be and to ask them to put my XXXX on hold at the lab. They said they did n't know what insurance would pay, they did n't have the ability to refund any portion of the balance, and that they would put the crown on hold at lab while I figured out where I would get other procedure done to finally relieve my pain. I was so relieved they could put the XXXX on hold at the lab, but it turned out they either could n't or did n't keep their word and no one notified me. Since they could not help me with a refund I began my dispute with CareCredit, asking for a full reversal of the charge - the contract states this is my right because a charge greater than {$1000.00} was posted within 3 days of signing up at my dentist 's office. Now, a month after disputing the charge, I received notification that CareCredit has closed the dispute in favor of my dentist who issued a partial refund. I asked CareCredit to follow their contract and reverse the full transaction. They have told me they " just finance '' and that I have to request this refund from my dentist. My dentist has already said he can not ( or will not ), but the CareCredit contract states " Right to Refund. CareCredit provides you with the right to a refund to your CareCredit account for any dental or audiology transaction amount greater than {$1000.00} if the transaction occurred within three days of the date your provider submitted the application. '' I do not want this card, and I feel I have been conned.

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 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a response from the bank on XXXX/XXXX/2016 with a copy of something I supposedly signed and a letter refusing to remove fraudulent information from my credit report and claiming that I signed up for the card online but has not provided an IP address that can be linked to me. The bank could have sent me this IP address proving to me that the debt is mine and trying to make payment arrangements. Since this debt is years old and the bank has had more than enough time to provide proof that could not be questioned in a court of law, remove this from my report immediately.

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 2015-04-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I keep getting calls on my cell phone from Synchrony Bank on my Care Credit account, which apparently is a call center in XXXX XXXX, XXXX. I explained that they are not authorized to call my cell phone for debt collection. The clerk and his supervisor would not listen to me in spite of my repeating that I would make a payment XXXX/XXXX/2015. When I found out the 'collectors ' were outside the XXXX XXXX refused to 'preauthorize ' a debt to my checking account for XXXX/XXXX/2015, which they threatened to add additional late fees. I told them I 'd send a check with my statement 'tear off ' payment form. I explained I give no one my account information over the phone and especially not someone outside the XXXX speaking to me as if XXXX were my XXXX language ( very demeaning and degrading ) without allowing me to speak. When I was to be transferred to the XXXX division the line went dead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I think Synchrony Bank needs to be investigated. For XXXX the late fee they charge is astronomical its around {$30.00} and I see some fraudulent and deceptive business practices. I 've seen that other customers are being treated unfairly and unethical.

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 2016-05-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX bought this debt from synchrony bank / Sams club. I have paid the account with them.

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 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CREDIT CARD WAS PAID OFF. 
THEY SHOULD PROVIDE STATEMENT TO JUSTIFY THEIR CLAIM.

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 2017-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). 

I adquire a insurance through XXXX policy number : XXXX. 



On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. 

XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. 

In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. 

XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. 

On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. 


Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. 


So Im in the middle of the firing line of the companies that use the math in your favor. 


Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. 


I hope someone could give me the orientation to what I can do to finish that issue. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I just received a call at my office from Synchrony Bank in an attempt to collect a debt from a XXXX ( I am guessing at spelling of name. We get these calls all the time at our home and now I am getting them at my office and no matter what we tell them we continue to get called. My wife and I have been married 21 years and have had the home number of ( XXXX ) XXXX for that entire time. I have had the office number of ( XXXX ) XXXX for at least 5 years and there is no way these numbers ever belonged to XXXX XXXX. Getting the calls at my home is annoying enough. Now we are getting them at my office!!!!! 

XXXX of the collectors indicated the debtor had used our phone number. This is not true, they were phishing in an attempt to collect the debt and have harassed us every since.

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 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
After faithfully paying this card online and getting statements, I logged myself out.I could n't pay I called in XX/XX/2015 to pay they said they could n't find my account so they told me to wait until they find out.Before the due date on XX/XX/XXXX, I called on a Thursday 2 days prior, they could n't take payments on the phone and they could n't reactivate online access due to the credit card being close previously. They said to overnight a payment. By now, I had no mail no email statement either. I didnt have assurance that mail will reach them on time. I was told I was getting LATE fees by now. Finally, I got an email payment reminder only on XX/XX/XXXX. I mailed the money but I did n't have the full statement. They money was cashed by them. I mailed them a letter XX/XX/XXXX and 10 days ago an attempted was made to speak with them to no success. I have no bill and I had to miss this month 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