vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XXXX I received via US mail a Walmart MasterCard. This is a real credit card, not an application or a temporary card. I have NEVER requested or applied for a Walmart credit card. Naturally I destroyed the card. On XXXX XXXX, I received a bill for this credit card for purchases made at a XXXX in XXXX, NY. I have never been to XXXX, NY. This is clearly an attempt at identity theft. I do not understand how someone could use the card or the account number when it was never activated. I have written to Synchrony Bank ( who issued the card ) reporting this misuse of my personal information and informed them that I refuse to pay the bill. I also closed the account via their telephone system. My concern is that, because the credit account was apparently opened without actually using the card, further purchases may occur. Also, a different Walmart/Synchrony bank credit account, albeit with the same opening date, shows up on my credit reports, so apparently there are XXXX accounts I have to deal with. I am very concerned about this and not sure how to stop the misuse of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! 

QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. 

PLEASE SEE ATTACHED DETAILS. 

THANK YOU FOR YOUR URGENT HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I received a credit card today from XXXX ' Synchrony Bank that I did not apply for. When I contacted Synchrony Bank 's Fraud department, they refused to cancel the card unless I would give them my social security number. Since I do n't know the " bank '', I am not giving them any personal information other than the card number I want cancelled. They told me to research them & then call back when I would give them my SSN #. Possible identity Theft?

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 2016-03-12 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 had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I mistakenly sent an electronic payment on XXXX to Synchrony credit card company which the balance on the card was {$480.00}. The {$750.00} electronic payment was suppose to go another creditor. When I called Synchrony on XXXX, the agent said they had n't received any money and because I only owed {$480.00} and the payment was {$750.00}, they 'd more than likely kick the payment back. I called twice on XXXX, the day my bank said Synchrony should 've received the payment, Synchrony said no record of payment. I called the next day, XXXX, And then I 'm told the acct was charged off and sold to a third party collection agency and they have no longer have access to any information about the account. I 'm given the collection agency 's number. I called the agency, they have no record of me or my account and tell me to wait 10 days to call to see if they have received my information from Synchrony. I talked to the supervisor 's supervisor at Synchrony and he admits that the account was just charged off on XXXX. In the mean time, the credit card company is holding the {$750.00} to eventually forward the payment to collection agency and tell me to get any overpayment difference from them. Synchrony would n't admit they have the {$750.00} even though I do n't have the money ( it 's deducted from my checking account since XXXX ) nor does the collection agency ( I 'm yet a client of theirs ) have the money. Logic stands to reason that Synchrony has the money.

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 2016-02-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was decieved into thinking I was going into a payment plan for my dentist and it turns out I was actually enrolled for a credit card. I have had trouble since then cancelling my account without it 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 non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are banking irregularities at XXXX Bank, the spawn of XXXX which was fined for banking fraud issues. I experienced intolerable delays while trying to fund XXXX XXXX IRA 's for myself and wife.The money was being transferred in from XXXX different sources and was to be placed in a money market CD accounts until funds were received. Customer service was horrendous. When the funds arrived, I was told they would remain in the money market accounts until I directed other wise. Because of the customer service issues, they were told XXXX to leave it in XXXX account status. The fact that they had no idea where it was supposed to go was incredulous! That 's how the conversation with them began. Do they think I 'm moving money around only to later figure out what to do with it? I took steps to get the money out. About the time the money was to come out, I learn that the bank has placed my account in an XXXX month CD! They want me to pay a penalty to get it out! They have been floating themselves a loan at my expense and now want penalty money! There is a total lack of communication at the customer service level. The problem for them is that my wife 's account was transferred out to the new bank! This is correct, but how does this happen simultaneously? I was personally giving direction for all funds simultaneously. Complicate all this with their online security issues and gaining access to your account! We could n't get into my wife 's account all weekend. Hideous is the only way to describe this experience. Or perhaps people at the top of the bank XXXX XXXX of dollars of funds around to take advantage of float. Every delay worked to their advantage. Multiply this by XXXX of XXXX funds containing XXXX of dollars. Something rotten is going on at Synchrony.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. 
The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in XXXX.

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 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been making considerably higher monthly payments on deferred six-month no interest payments with Care Credit to have charges paid off in advance of deadline date. Per direction provided by its customer service reps, I have been calling in every month to direct adjustments for the amount that I have been paying. For the last three months, while customer service reps indicate that they are making adjustments these have not been made. I believe this is a deliberate attempt to result in my paying interest on deferred charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay 's reported some negative marks on my credit report. I need some options to resolve this issue.

Company public response: Company 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: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due XX/XX/XXXX when in reality it was due XX/XX/XXXX, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a robo automated message telling me that it is the bank and they are with Walmart and gave me a number to call. I assumed this to be some sort of scam as what business would call you trying to get ahold of you to tell you to call a different number? So ignored until I got so annoyed and stressed ( 4 straight days of calling leaving one automated message usually while I was in class, one of the days I actually answered and it was still a machine automated message!! ) I finally opened up my laptop to see who they are. This is when I realized they are pretty much the debt collectors for Walmart so I instantly paid ( today ) once I realized the little mistake I made ( that apparently was justification for harassing me calling me everyday ). Then I start thinking I do n't remember to giving them my number or to a debt collector so I went on my online portal for Walmart and realized I gave it to Walmart ( run by synchrony bank aka the bank that wo n't stop leaving me automated messages ). Further looked into the place I gave Walmart my number and i apparently checked the box that said they are allowed to contact me about my account ( which I guess debt collection is?? Even though the average person would n't think this is what it entails ) and use automated robo messages from third party. Funny thing is today is the first day I have recieved an email notice that I missed my payment after XXXX days of calling and leaving confusing phone messages. In the voicemail they were also very secretive about what the purpose of the call is which is why I thought it was a scam. They just gave their information and a number to call them at, but no way to stop these calls!! Word of advice realize when your are checking a box to receive information about your account realize you somehow explicitly consent to debt collectors harrassing you in the process. Oh and also realized when I checked through my statements that they are charging me interest going directly against their promotional 24 month no interest. All one big stressor impeding on my school work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.

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 2016-08-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.

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 2016-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.

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