vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong 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 non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank sent me a letter saying they decided to pull my credit report randomly and closed my account with them without my authorization. My account was in good standing with them and was paid off in full a few months ago. I spoke to a supervisor over the phone and she was very rude and stated that they have the right to pull my credit report at any time, how ever many times they want to and they can close my account even if my account it paid off and I have a good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in this matter.

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 2016-05-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.

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 2016-03-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Called 16 times in 4 day period after told not to call.

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
TJ Maxx delays crediting payments up to 21 days. I made payment on XXXX XXXX, 2016, money was take out form my account right away but the payment was not credited to my credit card yet. when I called TJ Maxx yesterday, i.e. XXXX XXXX, customer service told me that it takes 21 days to credit my account despite they took money right away. Is it the legal practice? No other credit card I have delays my payments.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.

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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/2016 ON XXXX WALMART CREDIT CARD SERVICES OVERCHARGED MY WALMART CREDIT CARD {$1000.00} FOR A XXXX CAR PAYMENT I HAD PREVIOUSLY MADE ON XX/XX/2016 WHICH WAS ALREADY DEDUCTED & REFLECTED ON MY XXXX & XXXX 2016 WALMART CREDIT CARD STATEMENT. I WANT WALMART TO CREDIT MY CREDIT CARD BACK THE {$1000.00}. MY BALANCE SHOULD BE AS OF TODAY {$1300.00} NOT {$2300.00}. I AM ALSO REPORTING THE WALMART FRAUD OVERCHARGE TO THE ILLINOIS DISTRICT ATTORNEY. I NEED ALL INTEREST LATE FEES AND AN ADDITIONAL XXXX CREDITED TO MY ACCOUNT FOR HAVING TO SPEND UP TO 3 HOURS ON THE PHONE WITH WALMART REP 'S XXXX, XXXX & XXXX IMMEDIATELY I NEED UP TO {$1000.00} REFUND CREDIT FROM WALMART TO MY WALMART CREDIT 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 2015-08-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments

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 2016-01-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
non payments reported, payments made thru auto pay. Have reported, waiting for response .Consumer reporting agencies have all information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was given a new phone number XXXX/XXXX/16 when I moved. 
New phone number : XXXX Immediately began receiving credit card co calling, Synchrony from XXXX XXXX XXXX. 
Tried to call them, ca n't talk to live person. They state on recording they are Walmart credit. Multiple calls received throughout the day. Pick up the phone unable to talk with a person. Calls for almost 3 weeks. Start at XXXX continue to 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 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M.A.R.S., Inc.
State: NJ

Complaint narrative:
I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Sam 's Club Synchrony Bank is my creditor and I have a credit card with them. The issue with them is that my account is not being reported to XXXX credit reporting. I have requested on several occassions for about a month now if the would please re-report or re-insert my credit information to XXXX because it some how was removed. As of today that has yet been completed and it is very irritating and harming my credit

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 2017-02-13 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.

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 2016-12-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!

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 2016-05-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX I applied for a high yield savings account with Synchrony Bank. After I completed the application, I received a message stating my application is being processed and someone will be in touch with me within 3 business days. They have my phone number and email address, but they have chosen to treat me like a fraudster. Let me ask you this : who is lending to whom here? What is your worry here? What risk does a wealthy individual like me pose to you by lending you money?

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 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I have repeatedly request this company to cease calling me to no avail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation