vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.

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 2016-03-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
On XXXX/XXXX/16 I leased a new vehicle. The dealer is XXXX miles from my house so I quickly signed so that I would not get hung up in traffic. The numbers were negotiated before I arrived so I considered it to be pretty straight forward. 
I have been away from home so I contacted Mercedes Benz Financial Services to get my account info for upcoming payment ... I asked to be emailed a copy of the contract. When I received the email is when I saw the error in the Consumer Lending Act Disclosure box. I called MBFS again to question this. I actually had to get rude with the rep to get him to finally admit that it was incorrect, then his reply was, 'We were not at the table when you negotiated and signed this contract so you will have to take it up with the dealer.. ' Are you kidding, this is a FEDERAL DISCLOSURE box that MBFS has funded with an error. When I asked how they could possibly fund this contract he told me to take it up with the dealer. WRONG, because the contract now belongs to MBFS and they made the error by funding this incorrect contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX account ( XXXX XXXX XXXX ) and they attached a product called XXXX XXXX to my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I leased a Mercedes Benz ML-350 through Mercedes Benz Financial Services ( MBFS ). We also enrolled in the Mercedes Benz mbrace service for safety & security, which cost over {$300.00} per year for enrollment. The lease expired and the car was returned in XXXX 2014 and at that time, I explicitly ask if there were any more obligations at the dealer to which the vehicle was returned. On XXXX XXXX, 2014, I was charged {$310.00} to my XXXX XXXX in an automatic renewal for a vehicle that I clearly no longer leased. Mercedes only reimbursed {$260.00} as they claim the service was being used from the start of the year to when the charge on my credit card statement was discovered. How can Mercedes charge for a service on a vehicle that I clearly no longer had?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I currently have a Walmart store credit card issued by Synchrony Bank and have had ongoing problems with this bank. Most recently, on XXXX/XXXX/2016, Synchrony Bank reported that I am $ XXXX days past due. On XXXX/XXXX/2016, I made a payment of {$35.00} and on XXXX/XXXX/2016, a payment of {$75.00} was made. For the past two months, I have made {$110.00} in payments. I have yet to make a payment for XXXX, but it is forthcoming. 

I do not understand how Synchrony Bank determined that I have missed more than 3 payments. This would had to have occurred in order for me to become {$110.00} past due. In addition, I am consistently being charged interest for going over my credit limit. However, after each payment is made, there is no available credit. Therefore, I can not possibly go over my limit. It is the excessive fees which are causing me to go over my limit. 

There is no basis for this bank reporting erroneous information concerning my payments other than that Synchrony Bank is an unscrupulous lending institution with very unethical business practices. Prior to this reporting, I had no missed payments on my credit reports and as a result of Synchrony Bank 's error, my credit score dropped XXXX points.

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 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a message from XXXX XXXX XXXX XXXX stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
The XXXX department was paid after I had an auto accident by XXXX insurance PIP coverage. They are attempting to double bill me to collect an additional {$230.00} which is not owed. I received a collection letter from XXXX XXXX in XXXX, NJ. The representatives refused to identify themselves and they are accessing my private information which I did not authorize. 

Any person accessing private information for my security and that of my family should be required by law to identify their fist and last name. I was hung up on by a person called XXXX XXXX who was a supervisor if that is indeed her name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I bought a pair of jeans at j c penny on XXXX XXXX and they asked me if I wanted to apply for a credit card. I said NO. on XXXX XXXX, I was notified I had a hard hit on my credit because I applied for a credit card at XXXX. I called them and dispusted it, XXXX XXXX is looking into it. Then I called the main store directly and was told the employees get perks for having people apply for credit cards. I want this hard hit off my credit and that person fired and charged with fraud. Completely illegal and wrong. I have a witness and receipt. Please help

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 2017-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alpha Recovery Corp
State: SD

Complaint narrative:
Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.

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 2015-05-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
acct included under XXXX bakruptcy and was closed on XXXX/XXXX/09 and still showing under my XXXX credits bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My Pay pall smart connect account was stolen and used to make purchases in an amount of {$500.00}.

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 explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.

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 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX I financed a motorcycle loan with GE Money Bank, SYNCB/XXXX out of XXXX, SD XXXX. During the 6 years that the loan was in place I was late only XXXX time which was due to an error on my part and this took place in XXXX of XXXX. Since that time I had made special effort to pay all of my loan payments on time even paying more then the required amount with the intent of paying off the loan early. I even called in to determine the payoff if the loan was paid off early and was informed that the type of loan that I had it would not benefit me to pay it off early as there would be no cost savings or amount refunded to me for paying the loan off early. I was never notified that the loan matured prior to the monthly payments running out and that the total amount would be due in XXXX of XXXX. I was under the assumption that I would still have monthly payments and as long as I paid on time and the amount due all was good. 
However I found out this was not the case when I received a phone call in XXXX of XXXX with this regard and was informed that my total balance was due and that I was past due even though I had made my regular payment ( {$200.00} ) on the normal due date that some month but because it was not for the total amount due I was delinquent and past due. Even though I was surprised to hear this I immediately sent out a check for the total remaining balance ( {$980.00} ) on my account. 
Please consider this a formal complaint on the basis of Predatory Lending tactics and I would like to formally request that this derogatory record be removed from my credit file and history. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had XXXX at the XXXX. it is XXXX per XXXX UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to care credit that owned the debt but they sued, used XXXX and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX XXXX at the XXXX said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a XXXX complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my XXXX. I believe the statement was false to make it seem on the XXXX that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a XXXX which i believe is fair to all parties and was paid the XXXX year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the XXXX for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I signed up for a hom furniture card with G e Capitol i have been making the month payments as stated on my statement and through the automated system. I was now advise today that my balance went up over XXXX due to finance charges and will continue to accrue XXXX each month

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

Complaint narrative:
For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
While reviewing my credit report, I see a credit inquiry from barclaycard made on XXXX/XXXX/XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they verified that it was made by myself because the social security number, DOB, contact number and mailing address was correct but none of that information was providing showing that it was. I 'm XXXX sure that I did not inquiry about a credit account with this bank. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act. Being that I 've been a victim of identify theft in the past, I 'm aware of my rights to receive this information but was not provided with any 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 2015-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a bill in the mail for {$24.00}. I do have an XXXX account. I remembered making a recent payment to XXXX. There was nothing past due. On my bill from Synchrony bank showed no purchases. A customer representative from the bank told me to call XXXX. XXXX told me that I did not owe any money. I have the bill from the bank.

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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies.

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 2017-02-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Bank changed closing date to XX/XX/XXXX instead of XX/XX/XXXX with no notification citing the reason of XX/XX/XXXX only having 28 days.

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 2015-10-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,

Company response to consumer: Closed with explanation