vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your 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 monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
WE made a payment on our cc on XXXX. the conformation # XXXX. In the online payment instructions it states that payments are posted to the account within 48 hours. I called them and was on hold for about 30 min. i was told the funds would post to my account on XXXX! The funds were taken out of our bank account on XXXX. We believe that customer service is not a priority with this bank. They exhibit traits that lead us to believe that their financial profits are their only concern. ie ... long phone hold times and when payments are made the www instructions on the payment page are what consumers look at, NOT the fine print on the agreement. Due to their sharp business practices we will pay off the card and cancel it. 
Respectfully 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 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.

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 2015-10-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Banana Republic credit card managed by Synchrony Bank. The interest rate on balances is 24 % and I 'd like to transfer my balance to a no/low interest account. However, the BR card rep is telling me this not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I called Barclay and closed my credit card months ago. Paid the amount the woman on the line noted and I thought I was done. Then months later I get an email that there is a balance? I call them and they will not help me without the card number. I do not have the card number and destroyed everything to do with it. Then they ask for my SSN #, birthdate, and everything else and then hang up. Barclays shared my information with at least XXXX other support firms around the World and are encouraging identity theft with their practices. Why do I have to give up all of this info for an inquiry? How do I resolve this matter when I give the info and they hang up. They used XXXX for their login page and ask for your SSN #, when XXXX IS NOT SECURE? BARCLAYS IS A SCAM!!!!!!! They have no desire to resolve the matter and certainly enjoy the encouragement of personal identity theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Dear Sir, Today I received a mail notification of " Payment not received '' from " synchronybank '' which is for XXXX credit card. 
I remember that I 've never applied for any such kind of credit card and never been in contact of synchronybank. Also I never requested any such kind of credit card. 
I was using only XXXX credit card which is of XXXX XXXX XXXX. Other than that I never applied for any credit card. 
My current location XXXX, and I do not have any way to contact with synchronybank, because they 've not mentioned any mail communication link in the provided link XXXX 

I do n't have any account with this bank and also they have not mentioned any credit amount in the mail. 
It 's a clear case of fraud activity. So, I request you to please guide me how and what the action can I take against the synchronybank in this situation. 

Awaiting for your response. 

Thanks and Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Financial offered a low rate financing program in connection with my purchase of XXXX furniture. I set up automatic payments on the account at XXXX % of the minimum payment. My payments were made in advance. One month two payments were processed so the next month I was charged a late fee. In addition they charged another fee on top of the late fee known as the minimum interest charge. I was surprised to see the layering of the fees. The total fees were more than my XXXX % extra payments so for the two past months I have received late fees and the extra charge. Given this cycle one would never be able to get back on track and enjoy the " special interest buying incentive. '' I fortunately am able to make the catch up payments however the common citizen may not be able to do so. 
I think this is a clear case of abuse by Synchrony. 
I would like to ask that the CFPC take a close look at this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this 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 explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.

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 2015-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
false statements or representation fraud under the control of XXXX XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX. 
" This is business as usual for all the big banks, '' XXXX said, referring to the manufacture of mortgage documents out of whole cloth in order to establish legal standing to foreclose on homes. 

The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, XXXX completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 

XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services are involve IN around the counties around MARYLAND XXXX XXXX XXXX XXXX as attached she admitted to the types of activities that indecomm global services, con conspiracy XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NA as successor to XXXX XXXX XXXX XXXX as trustee FOR XXXX XXXX????, ocwen loan servicing mortgage ( assignments from indecomm global services and claim are worthless. ocwen loan, jp morgan, XXXX are involve IN around the counties around MARYLAND

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted Care Credit and informed them that they would received a check from XXXX XXXX XXXX to be applied to the XXXX bill. On XX/XX/XXXX they received a check of {$950.00}, from XXXX XXXX, which was applied to my account ( XXXX ). On XX/XX/XXXX, Care Credit received a payment of {$200.00}. toward this account leaving a balance of {$940.00}. On XX/XX/XXXX, I paid {$100.00} toward this account. Care Credit has referred this account to the credit bureau for delinquency to this account. I have been making the payment I am not having any difficulty in making payment to this account. According to the credit card agreement, there would be no interest added to this account if paid off in two years I would like this organization the unfair practices of this company and assist me in resolving this dispute.

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 2015-10-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.

Company response to consumer: Closed with explanation