vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went in XXXX 2013 to have XXXX surgery. During the setup for the surgery when i was filling our paperwork they gave me a sedative for the surgery. They offered me a pay later form of payment and had me fill out the paperwork. I was never explained what deferred interest was or that there was any pertaining to the paperwork. I made payments for the next years and then in XXXX saw a huge spike in my payments and balance. I went back through my emails and saw the balance go from {$1400.00} approx to {$3200.00} approx ( more than the initial surgery in full ) I called to figure out what was going on and they told me that since i had not paid the balance in full all the interest would be applied to the full amount and not only that. The interest that was applied would now be accruing interest along with the previous balance. I asked how i was supposed to know when the date was coming and they directed me to my statements that were sent via email. Well i never registered for an account online so I was able to see the dollar amount owed in the emails but nothing pertaining to my account otherwise. If i clicked on the " view statement '' field of the email it took me to a register for the website area which would n't accept my account number given to me by care credit. In general this whole thing is a scam. They make it extremely difficult to even get them on the phone. They carry XXXX different account numbers which the online XXXX they can not even find because it was setup by the XXXX doctor on their own so we have NO ACCESS to it. So i was n't able to see when my payoff was due or anything like that. I really feel this is a disgusting practice and was done with the intent of duping the customer. 

Please let me know how to proceed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had Synchrony Bank/Amazon for two years and constantly had issues with refunds for returned items. Amazon choose to close my account, because I returned " too many items ''. Once the account closed I do not have access to view items which I want to return. I sent all the items on my own, because I want to pay this account as soon as possible and do not deal with Amazon any more. I returned all items by XXXX XXXX and still did n't get my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a XXXX done and my dentist said I could put it on CareCredit and they would give me 12 months to pay it off interest free. I am a XXXX and I had our XXXX accountant make payments to care credit each month and we paid the whole amount within eleven months. Toward the end of my 12-month period I started receiving bills from Synchrony Bank that said I owed them over {$700.00}. I tried all of their phone numbers and could not get through. Finally, they called me and I said I had no idea what these charges were for. I told them what I had done and they said they would look into it. I told them to cancel my account but they still keep sending me statements and bills. Now I have received a registered letter that they intend to put this into collection. I looked them up on the internet and found that they were charged in 2013 for deceptive advertisement and were paying out over XXXX in settlement. I am contacting a lawyer and I could sure use some help from you in taking care of this problem. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a Bp Visa credit card from XXXX. I was notified in XXXX, 2015, that the credit card was being transitioned to another to another bank. I was told to continue to use the credit card until a new card was mailed in XXXX. 
The bill for the XXXX XXXX XXXX card came XXXX/XXXX/15. As has been my practice, I scheduled the payment from my checking account to be deducted XXXX/XXXX/15 ; I also received a XXXX digit transaction number for the scheduled payment. 
As I review my checking account activity on a daily basis, I noticed the payment had not been deducted. On XXXX/XXXX/15, I checked the XXXX credit card account online and was denied access. 
I contacted the card 's customer Service and was told the scheduled payment had been cancelled by XXXX on XXXX/XXXX/15 ; the agent acknowledged that no notice had been given by XXXX. I requested the card balance and was informed of that a {$25.00} late fee had been assessed against my account. 
I complained and the late fee was removed from the card. 
My complaint is XXXX fold. First, the scheduled payment was cancelled by XXXX and I received no notification - no E-Mail, phone call, etc. Secondly, a late fee was charged to my account. 
I consider these actions by XXXX to be irresponsible, unethical, and illegal. Had I not been proactively reviewing my accounts, I never would have known of the transition and late fee charge. 
A question : how many other XXXX XXXX XXXX card customers are being treated in the same manner, and being assessed inappropriate banking charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.

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 2016-12-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. 

I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... 

It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting policy ...

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 2015-04-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Back a XXXX ago I had to take my XXXX yr old son to the XXXX with a XXXX. Once there I was told by the XXXX that he needed a XXXX. I had no insurance at the time and was given a number to call ( Care Credit ) in which I submitted some income info and the lady on the phone told me right away I was approved for XXXX in XXXX and I would pay them on a monthly basis. I asked her what would be the payments and she said around XXXX. I said ok and got my son took care of that morning. At no time in the phone conversation did the lady tell me how long I had to pay it off just what the payments would be and at the time I was very upset and needed to get my sons XXXX took care of because of the pain he was in. It was a very stressful situation. I made my payments on time every month but then all of a sudden I went from owing around XXXX to XXXX so I called them and asked what was the increase in my balance for?? I was told that if you do n't pay it off in XXXX months they add to the balance, of course I 'm irate and asked them that if I paid if off then can they adjust the other off, of course she said no ... I was not told this in the XXXX office that morning by them. I then called my XXXX office and gave them a piece of my mind as well. I just saw on our local news a report about this same thing and people complaining about Care Credit not giving this information out in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I applied for a bp XXXX credit card in XXXX 2016 and gotten approved and the company reported to all XXXX credit bureaus, but they refused to send the credit card. I have not received my credit card for a month. Which is not fair for only a XXXX limit

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 2016-10-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. Thanks.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Wal-Mart charged me {$500.00} when I opened the account submitted XXXX separate charges. I paid the first balance in full ( around {$370.00} ) but not the second balance ( {$130.00} ) because by then I discovered they were falsely billing me. 

I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old.

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 2015-04-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MI

Complaint narrative:
On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My complaint is against Chevron Credit Card. I have had this card for over 20 years and have always paid my bill on time and there was no outstanding balance on the account. What happened was the card expired in XXXX of 2015, when I went to use it I found this out. Usually the credit card companies replace the card before the expiration. I called and requested a new one in XXXX and they said it was mailed to my old address and was returned and " Not at this address '' was written on the front of the envelope. I moved to my current address over 2 years ago and updated all of my credit cards with my current address promptly. Chevron said they would send the new card to my new address. I have been calling since XXXX and they said to call the post office because someone keeps returning the credit card and writing " not at this address '' on it ''. They gave me this story every time I 've called and said they would send the new credit card. Well, I have not received any credit card. I even checked with the post office and they did n't know anything about it. I have gotten all of my other mail and credit card besides this one. So I finally had to close the account because I did n't want any open accounts without the credit card in my possession. I tore up the old card back in XXXX and did n't have the credit card account number handy. I 'm sure I have an old statement somewhere with the account number on it. I am very disappointed with Chevron and do n't know who is lying, Chevron or the post office?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
JC Penney closed my credit card account on XX/XX/XXXX without contacting me in any way. This has caused my credit score to drop more than XXXX points. Id had this credit card account since XX/XX/XXXX. I contacted JC Penney and was told there was nothing they could do about the closed account and that they could not reopen it. I was told Id have to open another credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am a consumer who applied for a cared credit card for vision purposes in XXXX 2014. I was under the impression that I would not pay any sort of interest for 18 months on my XXXX purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge for over {$700.00}. I called care credit and pretty much told me there is nothing that they can do, but only offered to remove charges if I paid my remaining balance within a week. which I cant. Also only said that they are sorry that the vision rep did not explain how the deferred interest charges would work. I am truly stressed out about these charges and would like your help. I wrote a letter to the corporate office, but was told but a care credit rep that it may take over a month for them to reply to me. Please Help! Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I began with a {$1200.00} credit limit through Amazon.com courtesy of GE Capital Bank. That company then became Syncrony Bank. My credit limit was lowered to {$830.00} in less than one year. I had had no difficulties with payment and in fact had paid it off. Recently, my credit limit was lowered to {$650.00}. I had no difficulties with payment yet again. Syncrony states that their company does a periodic credit review and adjusts according to their findings. This always has an immediate impact on my credit score because it changes the ratio due to me holding a balance. I believe this practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Approximately one year ago my daughters boyfriend was having XXXX and needed all XXXX. He had no money or insurance. I suggested he apply for medical credit card. He then called me and said he was not approved and needed a cosigner. I said ok and he said they needed my social security number to check my credit. asfter that I never heard anymore about it. No one ever contacted me to ask my permission or sent me a contract. Since then I totally forgot about it. On the evening of XXXX/XXXX/2016 I received a phone call from XXXX XXXX and XXXX saving that they had purchased the account from Care Credit/Synchrony Bank and that no payment had ever been made and I needed to pay {$3600.00} that day. I said that I did not have that amount of money. they said that if I did not pay it that day I would be sued. Again I state I did ot have it. They then said I could pay {$270000.00} and sent a letter to my email stating this. I asked them why if the account was over a year overdue why I had never been contacted and they stated they did not know. I told them that I did not have that amount of money to send them. In the next few weeks they called many times. I told them that I was never contacted by Synchrony Bank to confirm cosigning and had never signed a contract and would they send me a copy of the contract. After several times asking they finally sent a package, but it contained no contract. Just copy 's of the statements that had been sent to the cardholder. I called again and asked for contract and was told it would be sent but never was. I believe that when Sychrony Bank got my social security number they just ran my credit and went off the address where all my previous credit was started and that is why that was the address they had. Again I was never contacted for permission and never signed a contract, also if I was the cosigner why was I never in a year contacted or called about the overdue payments. Also without any contract or being notified about the overdue payment this had already been placed on my credit report which was perfect and is now dropped substantially. The original credit was with Care Credit/Synchrony Bank account # XXXX. Now purchased by XXXX XXXX, XXXX, XXXX account # XXXX. I have been threatened numerous times with a lawsuit from this company in the past month and feel that if this had been done legally and if I had signed a contract, which I did not, as cosigner I should have been contacted a year ago so that the payment could have been made, but at this time I am not working due to medical issues and do not have the means to pay this debt. I feel that it is illegal to place a person on a debt contract without their permission or signed contract and that is also illegal for it to be placed on their credit report without them ever knowing the debt was not being paid.

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 2016-11-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Sam 's Club Credit ( Synchrony ) bank reported 3 months non payment/late. I had not been billed as the address they had on file had not been updated. I was notified by collections at which time I paid the balance in full. It also indicated that my account was closed (? ). I would like the report so noted and corrected to show the account is open. Your assistance in this matter is appreciated. I have maintained a strong payment record and do NOT want to ruin my credit because of this.

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 2015-10-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid off my credit card via a third party agency in excess of 5 years ago. I was verbally told the account would be removed. Upon paying off the debt the neither account was removed and keeps flagging as if the debt was paid XX/XX/XXXX. When I speak with them they are telling me that the account is reporting correctly even though the account was paid XX/XX/XXXX.

Company response to consumer: Closed with explanation