vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was a victim of fraud and syncb wont reopen my account when it was n't my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: USA DISCOUNTERS LTD
State: VA

Complaint narrative:
I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Care credit charged me a late fee because an electronic payment that was transmitted well in advance of the due dat ( XXXX a Sunday ) was not timely credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank of XXXX XXXX administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in XXXX XXXX and in XXXX. Synchrony accepts unauthorized debits to our MasterCard processed by " XXXX XXXX XXXX XXXX .The amount charged ( debited ) was {$89.00} dated XX/XX/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response XX/XX/XXXX that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatever they wish. We are returning my wife 's and my Walmart credit card 's as we did last month with a Sam 's Club credit card due to what we consider are 'abuses ' on our credit cards. Have sent letters to Synchrony in XXXX and copies to Walmart 's corporate office in XXXX XXXX but to no avail. They just want our money for items unauthorized. We called the U.S.P.S. and they told us to simply write " refused delivery '' on the packages and return them to the Post Office which we are doing. Desired resolution was to stop doing business with Walmart, Sam 's Club and most of all Synchrony Bank and XXXX. 
My information : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tel. pho. XXXX. Both my wife and I are in our XXXX and remain active. Product information : " Shipping Dept., Supplements, XXXX XXXX, XXXX ID XXXX '' ( no other information on the packaging except " USPS First Class Mail. '' " Ship to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' Thank you, Sen. XXXX 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 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Assist Plus LLC
State: KY

Complaint narrative:
I am in the process of paying back my student loans. I was unsure of how to go about repaying at a price that I could afford and I got a notice in the mail about student loan help from a company called Student Assist Plus. I did not see anything bad about it on the internet so I decided to give them a call. I was also told that I qualify for the loan forgiveness program by going through them and can also receive low payments for my debt. I did not think anything about all the information that I gave them thinking that it was all associated with my loan debt, however they consolidated all of my student debt and I had a low payment for my loans. I recently contacted Federal Student Aid because I had a problem with my account.The lady that I talked to basically said that I have been scammed because not only was Student Assist Plus listed as a third party on my account giving them access to all my personal information, but the consolidation and access to low payments for my loans is a free service that I assumed that I had to pay for, which was a mistake. I ended up paying so much money that could have went to my loan repayment but instead it all went into somebody else 's pocket. They also have all my personal information and access to my bank account. Lesson learned from this? Contact your loan service first before making in drastic decisions. Do n't just assume just because it came in the mail or that it does not have any negative press on the web that a company is creditable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Care Credit Account with Synchrony Bank. 
I am using this Credit Card to pay for my Cat 's VetBills, my cat has had XXXX episodes of XXXX. 
I have met all my payments for the promotional offer, no interest if paid off in full in XXXX months. 
I have used this card at my Vet for my cat 's pills, charges in the {$40.00} to {$100.00} range. 
I have diligently paid my monthly payments. 
I noticed on my Care Credit bill, I am being chargedInterest. When I inquired about the interest charge, I was informed by a representative that any chargesunder {$200.00} must be paid off in full in XXXX days. 
I never received a separate statement about thesecharges, they were folded into my promotion bills. 
I did not receive a separate statement stating whatcharges are accruing interest so that I would havethe opportunity and information to pay these chargesbefore the interest was charged. I have paid $ XXXXXXXXin interest so far this year, that I was unaware ofwhat charges interest was being accrued. 
I feel this is very deceitful by Care Credit. 
The customer should be made aware via a separatestatement in additional to the promotional statementsI would certainly have paid off these charges ratherthan pay interest. Since I was informed of thesecharges today, XX/XX/2015, I have arranged topay the remaining amount to avoid additionalinterest charges. I feel I am being penalizedfor paying monthly payments that were a part ofa promotion and paying them off in full before theexpiration date and then being charged unbeknownto me interest on charges I did not receive a separatestatement to be aware of this issue. 
Care Credit is practicing unethical means to havetheir customers accumulate interest because theyare not issuing statements on these separatecharges monthly to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 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: FL

Complaint narrative:
Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call 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 non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ). 
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX. 
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult. 
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I borrowed approximately XXXX dollars on my Care Credit card. I have been making payments every month for over a year and a half. My payments have been between XXXX and XXXX dollars each month. My care credit statement says that I now owe XXXX dollars even though I have been making payments. I believe the Care Credit / Synchrony employee I spoke with on the phone told me my interest rate was around 26 % and that it was 0 % initially and that I was charged accrued interest after not completing payments after 1 year.

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 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
the debt collection firm Kirschenbaum & Phillips had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet Kirschenbaum & Phillips has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I did a credit card balance transfer from XXXX ( XXXX ) to Barclays Bank Delaware on XXXX/XXXX/16 for {$1100.00} the money was never credited to XXXX we were charged late fees from them and the worse part is that Barclays Bank deducted {$2000.00} from our checking account without our authorization ( I 'm attaching XXXX statement ) ( I did a previous deduction authorization on other credit card I have with them, but not in this XXXX ) and we do n't know the reason how they get to that amount ; now, up to today there is no trace of the payment made by Barclays and what is worst our money is still lost and we have to pay our bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC
State: CA

Complaint narrative:
I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony 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 explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
According to the collection agency that this account was turned over to XXXX XXXX ) I received a letter that stated that this account would be removed from my credit report but it is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 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: PA

Complaint narrative:
I keep getting letters from XXXX XXXX XXXX for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I bought something with my credit card from a merchant and had a dispute. The merchant sent me the wrong item. My credit card company asked me to fax information. I let them know that I only have email and no fax. They said that they would pursue the claim without that information and if it fails, they would still reimburse me {$30.00}. I called to check on this. After waiting nearly an hour, I spoke to a representative that told me that they never offered to pay me {$30.00} for the incident. Instead, they would close the case without any resolution. At the moment, they have allowed a merchant to get away with theft.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from 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 2015-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a TJX account and in XX/XX/XXXX the account was sold to Synchrony Bank, at which time the account number was changed and a new card was issued. I began receiving statements under the new account number. In XX/XX/XXXX my husband paid off the balance on the account. I received a statement that said there was a balance of roughly {$150.00} remaining which I paid {$120.00} from my XXXX XXXX XXXX bill pay account. This account still reflected the old account number and somehow reactivated that old account. Instead of crediting the {$120.00} to the new account number the old account was debited {$120.00} and I began receiving statements claiming I owed {$120.00} and that the balance was past due. Although I know this was a mistake, I attempted to make payment so that my credit would not be ruined until I could get the issue resolved. The payments were returned to me stating that " no such account existed ''. I spoke to Synchrony Bank on multiple occasions and they assured me that they had rectified the problem and that I did not owe them an monies and that the account balances would reflect that. I last checked both accounts on XX/XX/XXXX and the old account reflects a balance of {$2.00} and the current account reflects a balance of {$120.00}. I have not made any purchases on this card since it has been paid off. They can not justify the charge of {$120.00}. I am seeking resolution in this matter before harm is done to my credit score. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with 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 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I owe a past due to PayPal and the credit collector, XXXX, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.

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