vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The calls come into my phone stated as unknown. When a message is left ( which is not every time ), it is from Synchrony Financial. As an example of call frequency - called 12 times yesterday. In the morning they called 4 times within a single hour. Then approximately once an hour after.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.

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 2015-08-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am writing to inform you that SYNCB WALMART DC is not my account. 
I am contesting it as fraud. Please have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had credit card debt roughly {$3000.00}. My debt had been transferred to XXXX XXXX XXXX ( XXXX ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX SYNCHRONY BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX GE CAPITAL RETAIL BANK, which was another debt with XXXX which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned XXXX for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.

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 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My wife and I went into Ashley Furniture in XXXX Florida town center. They approved both of us for a loan for {$1600.00} a piece. We picked out bedroom furniture and a mattress and put down {$1500.00}. We signed the papers and went home. A couple of weeks later we got a letter in the mail stating we only got approved for {$1500.00} a piece. I called and they told me to wait till the furniture was delivered in a few months so the account would show the difference. I wanted to cancel and was told it would be a {$1200.00} restocking fee.I told the manager why would I pay {$1500.00} dollars and get approved for {$1600.00} only to get my furniture delivered and be in the hole. I would of never walked out of the store knowing that. I wouldnt of signed the papers and went else where. It also showed up as over the limit on our accounts. l told them it would and hurt mine and my wifes credit. I cant believe they do people like that. I have been working on my credit for a few years to get an over the limit action on our account that isnt our fault. I feel Ashley Furniture was very deceiving in how they done us and its unfair to be treated like that. I knew once the payments where due on t h e accounts I wouldnt have enough money to pay the over the limit fee and both our monthly payments. I did pay our agreed amount and was jacked with an over the limit. I would of never in my right mind sign up for something like that. Please help me stop the big corporate guys from misleading hard working people.

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 2016-09-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
There was a home invasion burglary of my home in XXXX, XXXX. Since then I have had my identity hijacked, and am the victim of identity theft. I have been bombarded with attempts to open credit in my name on a regular basis for the last year. I have placed a FRAUD ALERT that requires the creditor to call me before approving new credit in my name. So far this method of protection has protected me against about 30 attempts to open new credit in my name. However, on XXXX XXXX, XXXX, I received a letter stating that Synchony Bank in Florida had issued a new Walmart credit card to a XXXX " XXXX ''. Please note that is not my current last name! I called them, and they would not close the account, even though I informed them of the fraud! They did check the credit bureau prior to issuing credit. If they had checked the credit report, they would have seen that there was a " FRAUD ALERT '' requiring that I be called prior to approving new credit. They did NOT call me! I was forced to call Walmart Corporate office to inform them of the fraudulent credit card approved by Synchrony! Walmart Corporate assured me that they had closed the fraudulent account. I would like to file a complaint against Synchrony Bank for issuing fraudulent credit that could have been prevented if they had followed policy and checked the credit report, and then called me before issuing credit as specified in the credit report!.

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 2016-11-09 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a resident of XXXX county Florida and the owner of a Mercedes-Benz car. I 've been in a tough financial times recently and fell only 69 days past due on my car loan. Mercedes-Benz financial services aggressively pursued my past due by contacting my ex wife who lives XXXX miles away, has not been seen in 7 years, is not affiliated to the loan, and that they do not even have her contact number. MBFS, also contacted my extended family including my 70-XXXX father in regards to my past due debt. All of these phone numbers could only have been obtained through public searches. These phone calls were personally disruptive causing terrible pain to my current fianc and unsettling my home. This personal violation was irresponsible, a violation of my privacy, and also is considered aggressive unethical business practices. I called Mercedes-Benz financial services and spoke with XXXX a collections XXXX specialist. While XXXX empathized with my situation and apologize for the individual violation, he could not remedy or change MBFS policy. I asked XXXX to elevate my concerns and for a call back from Mercedes-Benz by one of his managers. I would like that these kind of violation and these tactics are not to ever be used on myself or more importantly other consumers who have loans with Mercedes-Benz. I feel at the CFPB may be my only help to implement policy or legal changes so these kind of collection tactics are never used again. I feel that bringing to light these tactics may be publically embarrassing to Mercedes Benz as privately violated I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My complaint does not actually fit into any of these categories. It is a complaint against Synchrony Bank, financing via G.E. XXXX XXXX XXXX XXXX via Conn XXXX Appliance XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and Synchrony is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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:
a representative of XXXX XXXX at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by HH Gregg the representative advised XXXX XXXX that HH Gregg is reporting it and so are they. My next step will to seek legal counsel regarding the practices of XXXX XXXX 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 explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This has been a headache since I obtained the card. Making a payment is a big inconvenience and has resulted in unnecessary fees. Now I am trying to reach someone at the company to discuss pay off options and I keep getting the run around. I have spoken with several representatives and NOONE has aided me on my nightmare. After 4 hours of begging for information on how to reach someone I was told they were closed and to call back. I just want to settle my debt and move on but the company 's customer service reps are making this impossible. Tgere is no corporate number or email either for contact.

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 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in 2009 when economy tanked and consumer was laid off for 2 years. I have paid {$2100.00} and have the money order receipts for these payments XXXX XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and XXXX and XXXX wanted to go overall of that on the phone. Barclays charged this account off but is still reporting on my credit. I called Barclays and they can not give me any information because the account was sold. XXXX and XXXX say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. XXXX and XXXX filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in 3 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay Bank is kiting my money- it leaves my bank account- and then the credit card company- who has processed it- refuses to credit it to my account for over a week! this is ILLEGAL!

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 2015-12-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been making on-time payments in good credit standing with Value city for over a year. 
Last month they re-ran my credit score and based off that, they lowered by credit limit, XXXX my score went down because I just purchased my home in XXXX 2015. My issue is since they did that it has negatively affected my credit score because now I am using 77 % of my credit limit since the limit was decreased, where before I was at 67 %. Credit limit greatly affects your credit score. Not only did this do nothing for me but create negativity to my credit score, I am still making on-time payments and a great customer. They do not care how they affect people and the great customers they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclaycard sent me balance transfer checks in the mail. I deposited one into my checking account and they did not pay it because they said I did not have the full amount available. I looked at my recent transactions and I did swipe the card taking me under the {$500.00} that I wrote the check for but I had the charge reversed. The reversal of the charge is dated on XXXX/XXXX/2016 the same day that the charge was made. Barclaycard got the balance transfer check on XXXX/XXXX/2016 and they did not honor it. They told me that they did not post the credit to the account before they posted the debit to the account. Them not paying the check resulted in my bank charging me XXXX NSF fees and a charge back fee totaling {$100.00} Barclaycard tried to also charge me a {$27.00} returned check fee that they did reverse but I feel extremely disappointed that I had to pay {$100.00} because they did not pay my check.

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Over the past several months my interest rate has skyrocketed. I am sure that, I did not, nor would have agreed to the terms and conditions of owning a Barclays credit card as they have explained to me. I have, on several occasions, requested to receive a copy of my contract. Each request has been met with a different reason as to why I can not have a copy of the agreement.

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 2016-09-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay bank cancelled all my accounts w/ no reasoning. Now they have messed up my credit report. Now I am unable to get approved for other credit cards because on my credit report, I have entries that state " cancelled by grantor. '' This is not right because I did nothing wrong with them. I paid all my bills on time. They should have at least given me time to close the account myself so that it does n't negatively affect my credit. 

This feels arbitrary and discriminatory. There was no rhyme or reason given.

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 2015-11-12 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
A judgement was placed against me in 2008 by XXXX XXXX Bank and the debt got sold to Sacor Financial Inc in XXXX, CA. I was never properly served any court documents. Sacor XXXX Inc has levied my bank accounts and collected over {$8000.00} from me. The judgement was for about {$15000.00}. It has been over 8 years since this judgement and they are still harassing and calling me even though I have requested numerous times for them to provide me with the accounting breakdown of what is owed and all documentation retaining to this judgement. I hope that you will be able to guide me and help me resolve this issue.

Company response to consumer: Closed