vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Being charge for non-payment fees and accused of non payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
I received a phone call from XXXX XXXX on XXXX XXXX, 2015. They told me that for my website to be ultimatley profitable that I needed to add some major marketing to my new website. They led me to believe that I had no other choice and gave me what they said was a good deal for {$8000.00} They would create a VIP Advertising Package for my online XXXX. They have not done anything. When i call the number, it just continues to ring. XXXX has not provided what is set fourth in the contract and therefore I should receive a full refund.

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XXXX XXXX, 2016 fraudulent charges in the amount of {$30.00} and {$35.00} were charged to XXXX. I noticed the charges a week later and made it clear I DID NOT MAKE THEM. Both Barclaycard and XXXX XXXX XXXX insist these charges are mine. There so called proof they showed me shows that the order was placed from XXXX on a day I was at work at XXXX XXXX XXXX XXXX, IL. The college books ordered are not mine. I am XXXX XXXX XXXX and not in school. I work at a XXXX and have explained I can prove where I was at. They are stalling me and not resolving this. I have sent a letter and also faxed it in detail yet this drags on. I can be reached at my cell phone 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 2016-12-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX 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 2015-06-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was very busy with a sick child and went to pay my bill 5 days late today. 

When I got to Toys R us Credit CArd to paymy bill there was a {$25.00} late charge on a {$140.00} balance. Which is about 18 %? What are the rules for this percentage? 

I have not been late before and this appears to me to be excessive. 

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 monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an 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 monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a GAP Visa credit card issued by Synchrony Bank. Synchrony allowed a transaction to go through that exceeded my credit limit. We were not notified and did not realize this happened until the next time we tried to use the card and it was declined. We immediately made a payment that more than covered the overcharge. However, the bank notified credit agencies that we exceeded our limit prior to receiving the payment. I called the bank to complain and asked how we can be reported for exceeding our limit when the bank authorized the payment. This makes no sense whatsoever! I was told that as a " courtesy '' the bank allows a certain amount of charges over my credit limit. I consider this a discourtesy, as I would have used a different credit card had I known that I had exceeded my limit. I asked the bank to have this courtesy service deactivated, and I was told this is not possible. I wonder how many other consumers have their credit damaged as a result of this " courtesy. '' Consumers should either have the right to have this service turned off, or the bank should be obligated to notify the consumer that their credit has been exceeded. I was told that this service is explained in my credit terms, but if it was, it was not called out prominently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is reference to Case number : XXXX. I sent a letter to Synchrony Bank requesting that they accept a {$500.00} payment to completely resolve this debt. I made a payment last month of {$750.00}. Over the course of 5 years, I 've made over {$3000.00} in payments on this card which thousands more than what was actually charged on the card. Synchrony Bank/Care Credit preys on the poor and offers quick solutions with unbelievably high interest that results in lenders staying in a cycle of never paying down their balance. When you 're told that you need XXXX done and you ca n't afford but there 's this card with no interest for the first 6 months, it sounds like a great idea. Had I known what I know now I would never have signed up for this card.

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 2015-12-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This account is not mine. XXXX & XXXX tried to sue me and I was able to fight it. I disputed this account with the Credit Bureaus and it came back as verified. I never had a Care Credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Carnival/Barclaycard Master Card was never received, The account was sent to XXXX XXXX XXXX , XXXX. The error was the address was incorrect and no billing nor XXXX was ever received. The total amount is XXXX, XXXX sent me copies of the bills. I called Barclay and spoke to a XXXX XXXX who told me he had the correct address. I had made payments toward the bill. I request to speak to a manger and no one has called me back. I owe for a acupuncture session, not sure what else it totaled to the amount. My credit score has changed, because of this error. My credit cards credit amounts are being reduced. I am sure all of the billing and master card had to be returned. I am mailing out today letters to Carnival and Barclay and XXXX of the error. I am requesting that corrects are made to clear this problem. I would like XXXX XXXX, XXXX, XXXX 's, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card to be advise of this mistake/error on behalf of Barclays Cards or Carnival card services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I opened a Barclay Card under a promotional offer that I received for a statement credit with a {$500.00} minimum purchase and 12 Months 0 % interest financing on purchases and balance transfers. 

I made hte purchases and received the statement credit but have started to receive interest charges on my card for the first two cycles. I have contacted them multiple times to investigate and each time I end up talking to a supervisor and they state they will submit a case and it will take 5-7 days to resolve and that I may receive a reply to the case. If not I should call back. 

I have now called back 3 times and each time feel like I am given the run around. 

The card offer online is very clear and can be found here XXXX The offer reads : " Purchase and Balance Transfer Rate 0 % Introductory APR for the first 12 months on purchases and 0 % Intro APR for 12 months on each Balance Transfer. '' My current case that was opened today is case # XXXX My previous case number was 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 2017-01-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased the order number, XXXX coast {$44.00} from walmart.com on-line using my walmart master card end number XXXX name on the card is XXXX XXXX XXXX, on XX/XX/XXXX, but since one on line site named XXXX was getting from my credit card $ XXXX, even i reporet dispute and froud to the credit card, so I closed the account on my request, but I asked the customer service representative to pay the balance, which is the amount of the oreder mentioned above, he told me to pay it in any walmart store, since he closed the account, on XX/XX/XXXX i payed {$44.00} by the order pay XXXX, by my XXXX XXXX XXXX XXXX XXXX vis card REF # XXXX, I received statment from the credit card to pay a balance for the same order, which i payed already. 
I called XXXX XXXX and XXXX XXXX from walmartonline.com, to update my payment to master card, they gave me on phone master card representative XXXX XXXX or XXXX?, who is asking me to take the responsibility to prove to him even he was contacted by walmart.com, and i told him i can mail to you the reset, or contact walmart to invistegate, but it was useless.there is no co-operation between the XXXX branches at the same company. 
i would appreciate if you can help me to solve this problem and not to have my credit history affected, Iattached is my documents.

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 2016-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}.

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 monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX still has XXXX different listings for XXXX credit card account on my credit report. If XXXX was brought there is not supposed to have the original and a new debt listed illegally with a different amount. Also the amount is different when there is no way that I owe a different amount from XXXX credit card that was actually closed by the time of listing. I closed the account on my own which is XXXX listing. And the other says that is was closed for a higher amount of money with a derogatory label listed as well. I am having a hard time getting information and receiving action from XXXX with their reporting for my credit report in general. So I would I appreciate your assistance in this matter and I would like the duplicate removed and checked on all XXXX of the credit reporting agencies as well.

Company response to consumer: Closed with explanation