vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; 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 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Safe Step tub was installed XX/XX/2015 and credit card account opened for {$10000.00} of debt. XXXX at XXXX, and her XXXX daughter, were in no way able to make this purchase. Furthermore, XXXX has no XXXX that require her to use a XXXX and she is quite capable of bathing or showering in a regular set up. 
I have been contacting Synchrony since XX/XX/XXXX about this account and we continue to receive bills with past due charges. I have asked repeatedly that all those charges be rescinded and that any new charges be suspended until this matter can be fully investigated. I have not been contacted by Synchrony Bank at all - other than to continue to receive billing. Yesterday, I was stunned to learn that Synchrony has placed this account into collection with XXXX without so much as responding to even one of my many letters and numerous telephone calls. Today I am sending copies of this correspondence to the following agencies and asking each of them to conduct their own investigations into this matter as well as into XXXX 's business practices of targeting XXXX citizens and Synchrony 's business practices of opening credit card accounts and placing these XXXX deep into debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank offered me a hardship program in response to a past due amount on a XXXX account. After talking with their agent, I agreed to have a series of automated payments deducted each month from XXXX/XXXX/15 through XXXX/XXXX/15. My understanding was that in agreeing to their offer, my account would report as being paid current to the credit bureaus and late fees would be waived for the duration of the program. However, despite making my payments on-time as agreed, Synchrony Bank is still reporting my balance as being 60 days late and still charging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
The scammers are using at least XXXX different names, XXXX lead to the same area of XXXX California. Someone calls my cell and leaves a message ( or they call my employer saying someone has legal papers to deliver to me ) that there is " complaint '' against me ( that was the first call in XXXX ) from a female. The second call on Thursday XXXX XXXX came from a XXXX XXXX with XXXX saying there were some " Undelivered '' papers for me and to call XXXX with a reference number. Answering that number was someone who sounded exactly like XXXX XXXX, but said his name was XXXX XXXX XXXX *I 've been in the XXXX for 45 years, I can tell voices. He gave me their address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. The first call in XXXX went to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I think their number is XXXX. The tactics are similar and the businesses are geographically close so there indeed may be a tie in ... They are calling about a debt that is past Statue Of LImitations in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened a checking account funded with my Barclays Wyndham credit card for {$10000.00}, and they posted the transaction as a cash advance and charged me a {$500.00} cash advance fee. The charge should NEVER have gone through as my cash advance limit was limited to {$6000.00}. This is a security issue on their part letting transactions go through that are higher than the stated limits on the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.

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 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid off the amazon store card in full and closed the account. Apparently a refund arrived on the card at some point and I am owed some amount of money. The collection company seems to think that because the balance is not XXXX I owe them something and they call 5 times a day. However, if I actually talk to them they realize after wasting 10 minutes of my time that they owe the money to me! While they promise to send me a check and correct the account, this never happens. And an hour or two later they will call again! This has gone on for weeks. 

SynchronyBank, via Amazon Store Card program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I discovered fraud charges on my account and are appalled that PayPal would let this charges through and did n't even notify me of this fraud use of my 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 non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank created XXXX account numbers reporting negative information to credit bureaus XXXX, XXXX and XXXX. I only had XXXX account with them. However, they opened XXXX account numbers as if I had XXXX with them creating double billing which is affecting all of my credit reports.

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 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I first discovered this from a statement from XXXX XXXX / Synchrony Bank dated XX/XX/XXXX for a charge from Belk Reward Card for $ XXXX.I I have never received any form of a bill or statement before this. Then I found out thru my XXXX credit report that the charge was reported as a negative on my credit report. Furthermore XXXX said the original charge was not reflected on my credit report until XX/XX/XXXX for {$74.00}. They said it was charged though back in XX/XX/XXXX. The late charges were being added thru the years to this account when I never once received a notice or bill until XX/XX/XXXX. 
Then to clear my account I made the mistake of paying this in full without my knowledge of these late charges or even who actually charged the original {$74.00}. Synchrony Bank told me if I paid in full it would be removed in 30 to 45 days from my credit report.I paid with a XXXX XXXX debit card in full the {$330.00} XXXX. I am disputing who made the charge and why I never ever received a statement until XX/XX/XXXX.I was then told by them it would be 7 to ten years before it would be removed. I pride myself on my almost perfect credit score and feel this is definitely some type of fraud that I would like to dispute.Please help me with this process Thank you, 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 2015-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is about a dental practice that pushed particular credit source funding for services with inflated service and credit costs and several improprieties that occurred in that process, and it is about the credit companies themselves and their predatory nature in offering credit to someone with a terrible credit rating. As a consumer, I was lied to, pressured, and inadvertently trapped into a horrible debt situation that I had stated repeatedly that I could not take on and did not want to take on. I gave in to pressure that should never have been applied and made bad decisions based on dishonest information given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.

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 2016-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I attempted to make my payments through my XXXX XXXX XXXX account in XX/XX/2015 and XX/XX/2015 in which for two months it was returned because this form of payment was not accepted by Synchrony Bank. So when I became aware of this situation, I made two payments within one month in order to bring my account current. I asked that as a courtesy to me that the {$35.00} fee would be removed. I was told that they would honor that in which that has not happened. Also, Synchrony keep accessing {$35.00} each month to my account although I am making my monthly payment of {$100.00} on the XXXX of each which is my due date for each month. Not to mention they are reporting as late for three months which is not the case and that is affecting my credit score. I am not late until 30 days and that has not been the case since XX/XX/2015 but they continue to report me late each month and charge a {$35.00} late fee for each month. These practices are unlawful and I wish these practices to be corrected on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!

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 2015-11-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a care credit care with synchrony bank. I have had this card for several years, with no problems. However on my last billing cycle I had an undeferred ( due in 25 days ) amount of {$110.00} charged on XX/XX/XXXX and a deferred amount for {$83.00} ( due to expire XX/XX/XXXX. I also was carrying a deferred interest charge ( due to expire XX/XX/XXXX ) of {$230.00}. I wanted to avoid interest so I paid {$190.00} on XX/XX/XXXX ( the underferred amount of {$110.00} plus the soon to expire {$83.00} ). When I received my statement for this current cycle there was a {$2.00} service fee and a balance of {$25.00} from the XX/XX/XXXX charge. I called the company on XX/XX/XXXX and asked why they did that as they had never misunderstood my intentions before. I was told I had to call and tell then to apply the payment to the undeferred amount. They said they had to follow federal guidelines and apply these amounts as they did. From what I can read on the Federal guidelines a company must allocate a payment in such a way as to minimize customer interest and fees. This is not what has happened. There was no reason to apply any of this payment to the {$230.00} amount as it was not due to expire for another 10 months. I find this reprehensible and an unfair practice as regards the consumer. I called the XXXX card people today ( who are also with Synchrony Financal ) and they told me I could not direct them to apply my payment to the undeferred part of that card until the payment posted so I would have to call them back. They could NOT put a note on my account indicating that was my intent with the payment I sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Noticed a fraudulent charge on my account on XXXX/XXXX/2015 for a charge on XXXX/XXXX/15 for an amount of {$260.00} thus increasing our monthly minimum amount. This minimum amount would not have increased if there was not this fraudulent charge, and now the credit card company Walmart will not reduce the difference of the minimum amount that is in arrears do this fraudulent charge. And now also wants to penalize us for the next six months of a higher minimum due to the supposed missed minimum payments made during XXXX and XXXX and XXXX which since we had not been using the credit card was unaware that the minimum payment amount had gone up. I want this minimum amount difference due to the fraud charges to be refunded. Because we were making the minimum payment. it only changed due to this fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I recently ran my credit report and found a collection item on it from convergent outsourcing in the amount of ~ {$400.00}. They said it was from XXXX, however, I currently have my cell phone account with XXXX and have had the same accoutn since 1997. I called XXXX and they said my account is current and they show not past due debts that are owed. I want Convergent to remove this from my credit report and leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
I have a collection showing up on my credit report that never happened

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I get a voicemail message that states, " by continuing to listen to this message you confirm that you are ( name ) .... then it gives a phone nmber to call. I tried calling a few times but ca n't afford to waste my minutes on hold. How is it that my voicemail " listening '' to a recorded message is a confirmation of my identity? How is this a legitimate " attempt to collect a debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: MS

Complaint narrative:
I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation