vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An air conditioner company requested we pre-apply for an interest free ( 1yr ) credit card to have an air conditioner installed. We applied and were approved. The air conditioner company incorrectly installed an air conditioner unit which took over three months. Once it passed township codes inspection the company failed to return to fix damage they caused and to fix a leak still on the air conditioner unit. The contractor charged the prepared credit card the full amount stating they tried to contact me to repair the damage they caused which was not true. The credit card company was advised and sided with the contractor refusing to only charge my account the balance minus repair work I paid another contractor to complete the job

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 2015-10-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.

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 2015-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today i called my walmart master card because my card was declined when i tried to make a purchase and i didnt understand why. I had a XXXX dollar credit limit on that card, i always make payments on time or before they are due and i exceed the payment amount every time! Well on the XXXX of febuary this year i tried to pay down my credit card and i have been saving my money every chance i get to pay tward my credit card not only to pay them down but also to use them when i need them because i have a 6 month old daughter at home and i am struggling with XXXX income. So to cut to the XXXX i made a {$940.00} payment to walmart master card my balance at that time on my card was {$1500.00} which should leave me with a balance of {$580.00} left to pay on my credit card. I charge {$300.00} dollars tward it whoch brought it to {$880.00}. So now after i had made that large payment walmart decreased my credit line which put me in debt of {$500.00} without even notifiying me that they decreased my limit and couldnt give me a reason why! I have had this credit card for 3 years i have never made that big of a payment and when i try to pay it down they decrease my limit without any notifications? It makes no sence to me at all! So now my balance is back to {$1100.00} even tho i paid all of that money because since they decreased my limit and put me in debt it made it as if i went over my limit ( this is how they explained it to me atleast ) i spoke with XXXX supervisors and they XXXX said well the letter was mailed 2 days ago, ok so it was mailed but i never receieved it yet the mail isnt that quick i mean come on! I just dont understand how that is right and am wondering if it is even legal to be able to do such a thing! Three years with that credit card and always on time and exceeding the payment amount every month sometimes i even pay 2 times a month but after making almost {$1000.00} payment only then they decide to decrease my limit which resulted in putting me in debt and the over drafting fee which at the time wasnt even concidered over charges because that was my limit! Can they do this. It was like the {$500.00} just dissapeared! Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I believe this is the second time I have to report this company. The representative from HHGregg told me, when I initially signed up for the card and purchased my refrigerater, that the purchase would be interst free. Once again, however, Synchrony Bank is charging me the ridiculous amount of 29.99 % interest on my account. Also, last month, I sent in my payment on time on XX/XX/XXXX when it was n't due until XX/XX/XXXX. On my bill this month, they charged me a late fee of {$35.00} which they refuse to remove. I believe this company needs investigated or at least my account looked into by a government entity like yourselves. This company has tried everything in their power over the coarse of my loan to extort more money out of me, and I 'm fed up with it. I am sending this complaint to the appropriate attorney general 's office as well. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
An incorrect charge came through to my Barclay 's credit card in XXXX XXXX. After going through many different departments to try to rectify the charge Barclay 's has been unable to progress my case further. I have had several phone calls on a minimum of a monthly basis with Barclay Card. 
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.

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 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit 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 explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
sam 's club mastercard is issued and serviced by Synchrony bank. 
I recently applied for a credit line increase and was denied for the follow ing reasons. to few accounts currently paid as agreed lack of recent installment loan information. 
a review of my XXXX credit report does not reflect the above items.

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 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or 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 2015-05-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The credit card is offered to pay for medical or dental expenses and no interest is charged if the balance is paid off within one year. My complaint is that I enrolled in paper less statements and there was insufficient notice that the deferred interest would be charged if account was not paid by XXXX, 2014. However I could not access the account to obtain information as to the start date of the charge so I could be prepared to pay the balance. This has resulted in interest charges of {$750.00} +/- and the original advance was {$2000.00} +/- ( I can not access the history of this account so I can provide dates, etc. ) The deferred interest far outweighs the benefit of the advance. Previous advance was paid in full because I knew the date of the payoff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I opened a credit card with Care Credit and have been having issues since I opened this acct. My payments are supposed to be fixed of {$160.00} a month and every since opening this open they have increased my payments. The doctor office has notified the companycompany about the fixed payments with them having issues also. They have horriblecustomer service and is Extremely Rude. They increased my payments withouteven contacting me and refuse to explain about the increase. Every time I callI get told different stories or hungup on. They refuse to give corp office number oror contact information. This company needs to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
GE Capital Retail Bank/Care Credit made payments to XXXX XXXX XXXX XXXX, XXXX that I did not authorize. In the amount of {$6000.00}. Might be a little more. 

XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.

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 2016-03-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''

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 2017-01-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they 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 2015-06-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Dear Sir or Madam : In Re : Acct. # XXXXI would like to file a complaint with your agency against Syncb/Chevron for none-compliance with the Fair Credit Reporting Act ( FCRA ). I filed a dispute with XXXX for erroneous information being reported on my credit report by Syncb/Chevron. 

On XXXX XXXX, 2015, I sent a certified letter to Syncb/Chevron requesting an XXXX investigation in regard to an account that is pass the statue of limitations and that they needed to submit copies of statements upon request. They fail to comply with that request. 

On XXXX XXXX, 2015, I sent another certified demand letter requesting that they respond to my request ; and again they fail comply with that request. It is illegal for Syncb/Chevron to verified account information as accurate without doing an XXXX investigation for which I am entitle to by law. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have tried to work since XX/XX/XXXX to get this account paid and settled. I have disputed this account numerous times with the credit bureau, i have sent letters directly to SYNCHRONY BANK ( Walmart and Belk ). I got an alert today that says they have just reported an over limit fee. If the account was charged off last year, Why am I still incurring fees? I even called today XXXX/XXXX/XXXX and spoke to a representative who was no help at all, she just proceeded to tell me the account was somewhere else and they legally do n't have any information on the account. If they legally do n't have the account anymore, how are they still reporting a balance? I do n't know what to do so I am asking for help in this matter to get someone to work with me and get some help. I have consulted with legal counsel and see what can be done about them reporting inaccurate information.

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 2016-11-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's 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 2015-06-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used a debt relief agency to pay my debts ( XXXX ) and it was charged off, but still shows up on my credit report. This has been over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I submitted payment, via my automatic payments to Synchrony Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received confirmation that the payment had been posted to my account. On XXXX XXXX, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On XXXX XXXX, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. 
When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. 
Once I learned of the issue with the late payment, I promptly paid the balance in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I get at least 2-3 calls a day sometimes less than an hour apart

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