vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am having the exact same issues with this financial institution as is described in the PayPal extras mastercard review link provided below. I need help recovering my account payments in the amount of approximately {$2600.00}. They refuse to credit it to my account so that I may have my credit for spending reflect my payments made and collected by them. This is a real scam that needs overseen by some agency with the authority to shut them down. 

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 2016-10-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
i have a juniper credit card. I have been falling hardship times since XXXX and I notified this company at that time. They kept tacking on fees one after another. They have a program for hardship times and will not let me have it. I have Been unemployed from end XXXX till present. I just had a XXXX as well. It has been tough. I did not say I would not pay but they keep tacking on fees and when I paid in XXXX it was n't enough. They have harassed me so much and said that my monthly payment is not enough but they have tacked on so many fees I will only pay my monthly amount as I am on a budget and it is too much a month for me to handle. They kept tacking on fees even before XXXX. I have notified them numerous times of my situation and they will not work with me. Now my minimum payment is almost XXXX because of their fees.

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 2016-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!

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 2015-12-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I paid off my Synchrony Belk card via a settlement on XXXX XXXX, 2015. I have made bi-weekly calls to Synchrony as all XXXX of my credit bureaus are as of XXXX XXXX, 2015 listing the balance as XXXX with a past due of XXXX. 
The balance is in fact XXXX and the past due is XXXX. I spoke with XXXX at XXXX central on XXXX XXXX, 2015 and XXXX assured me the appropriate credit bureau correction forms were being sent immediately to all XXXX bureaus. That was a lie. None of the XXXX bureaus have received the updated information. As a result, I am suffering damage to my credit report and score as I attempt to purchase a home with a mortgage. It has been a full NINETY THREE days since this account has been paid in full. That is more than twice the 45 day maximum time frame allowed. I have made repeat requests to have a manager return my call. They have refused. I have been hung up on twice as I held upwards of XXXX minutes. As I type this, I have been on hold today for XXXX minutes. I have settled XXXX accounts after my divorce, and Synchrony Belk is the single only creditor that is not reporting properly. At this point, I demand to have my credit file accurately updated immediately. The CFPB exists to protect consumers from practices such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.

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 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
keeps calling my job and harassing me at work on a debt that is over 15 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
In XXXX of 2015 I had a large charge of {$2400.00}. from a vendor who I contacted to get a refund in XXXX. Since the charge was on my XXXX Barclaycard statement, I contacted their dispute department regarding this charge which they said do not pay until dispute is resolved.XXXX statement reflected no credit. Then XXXX received a letter from Barclaycard 's dispute dept that {$2400.00}. credit was issued twice therefore I owe them this money. My previous bill was {$520.00}. now amount due by XXXX of XXXX is {$4600.00}. My complaint is I think Barclays mishandled the funds in order to make a very large amount due so they could collect 25 % interest which I believe is grossly unfair when charges should have just cancelled out. Now they make it impossible for me to pay this huge amount in full and they gouge me for XXXX & interest on the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
At the XXXX office I signed up to pay the remaining balance - zero interest with Care Credit - now Synchony Bank. Since I am a busy working mother and Synchrony bank continued to ask me to move to to this method - I signed up for electronic payments. They automatically calculate your payment and it is drafted from your checking account. This process is easy and I have no complaints on that process. 
My complaint is this, in the email that comes each month is a link to a statement but in the body of the email is the amount. So I do n't have the need to look at the statement - I just go in and pay the amount. However, what I did n't know was this company does n't want you to remember when your promotional period is up. This is how they make their money. So, when my promotional period was up, I figured this would be communicated either in the email that I was sent each month or in the new payment amount. Wrong! They do neither. They say nothing about your promotional period expiring and they do not adjust your payment to pay the balance off. 
So, because I trusted this company to do the right thing, I missed the ending period. Now I have 2 years of 26.9 % interest. I owe more now than what I initally financed 2 years ago. {$1500.00} in interest without XXXX notification! I find this truly deceptive!! I called customer service and told them, but they do n't care. I have filed a XXXX complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank calls me at least 6 times a day, on average, attempting to collect on my past due credit card account. When I answer their calls, they disconnect without saying anything at all.

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 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.

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 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late.

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 2017-03-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Dear Sir/Madam : I 'm a XXXX Military XXXX with XXXX ( XXXX ) after XXXX years of military XXXX. As recommended by the treatment team, I bought a massage chair in XX/XX/2014 via GE Capital Retail Bank with 0 % interest. My wife, XXXX always made monthly payment on time through XXXX. We were never informed that the GE Capital Retail Bank transferred our account to Synchrony Bank with 29.9 % interest rate in XX/XX/2014. We tried to contact the Customer Service of Synchrony Bank many times ; however, it seemed that they are not willing to resolve the problem. We would like to report this issue to you in the hope that you can help protect the consumer by investigating the dishonest way Synchrony bank is dealing with their customer. If we were informed that our account were transferred to Synchrony Bank with 29.9 % interest rate in XX/XX/2014, we could make a full payment for this transaction. All payment records can be submitted to you per your request. Your consideration and support are greatly appreciated.

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 2016-07-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for this card so that I could take advantage of the 12 month free financing and what a hassle this has been! I have closed my account because of all the errors generated either by automated computer or by personnel. I have to mention I have talked with the general manager and sales rep and they have been very nice and compliant about reversing the charges that were incorrect. The issue has been with the numerous calls from Synchrony bank stating that I owe a late fee and my account balance is past due when in fact that is not correct! The automated pay system that Synchrony has is horrible! It doens't take out any money, even when the account was setup properly. I became so frustrated with this hassle and paid my balance in full and closed my account. However it did not end there, for some reason Synchrony bank yet again messed up and charged me {$25.00} after my account was closed. I am wondering why they still have my personal checking account information after I closed my account. Apparently the {$25.00} charge was interest that was due, although I was never late on my payments and I had the 12 month free financing. I called into Synchrony bank to get my charge of {$25.00} reversed because it was an error and they agreed no problem, BUT you have to wait 3 days or about 48 hours and CALL BACK again to " make sure that your payment gets processed ''. WHAT POOR CUSTOMER SERVICE!! VERY INCOMPETENT FOR A BUSINESS THIS LARGE TO HANDLE AMAZON ACCOUNTS!! I will NEVER use SYNCHRONY Bank again as it has been such a hassle to use. All I would like now is to receive a check for my {$25.00} and not have to call back ever again. I have also put a very poor rating on Amazon 's website about this card through Synchrony bank and hopefully Amazon realizes that through enough customer complaints and will get rid of Synchrony Bank as their primary store card and use a more reliable, hassle free company.

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 2016-08-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I used Barclay Cards website to make my online payments. I did not realize that I had selected through there website an old account that I was no longer using and I had selected a payment to be paid in XXXX and XXXX which was returned was account frozen.

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 2015-04-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an in-store card with Walmart and the payments are due on the XXXX day of every month. On XXXX/XXXX/2015 I made my third payment on the account inside of XXXX with cash in the morning. Later that day I checked my account and contacted a Walmart Representative in their card services department. I was told that my cash payment was on time and that no late fee would be added to my account. On XXXX/XXXX/2015 I checked my account and found that a {$25.00} late fee was applied to my account and an {$18.00} credit posted to the account had disappeared. That same day I contacted the Walmart card services department and spoke with XXXX male representatives who refused to remove the {$25.00} late fee and transfer me to a manager. XXXX Walmart reps argued that the {$25.00} late was justified even though I made the payment in time. I was very upset and stated that I thought this was a very dishonest business practice and threatened to cancel the card. In addition, I have proof that my payment was made on time. Since Walmart is refusing to remove the late fee and I am concerned that they will falsely report this information to the credit bureaus I have decided to write this agency to get the matter addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.

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 2016-09-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Toys r us is reporting on XXXX a {$6800.00} charge off on my account. I only owed then {$77.00}. And the {$77.00} item was returned and never credited to my 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 monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.

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 2016-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have had many credit card accounts owned by Synchrony Bank. Due to false and wrong credit reporting by creditors to Credit Bureaus ie XXXX, XXXX, ALL credit cards I have had in GOOD standing, or were paid off in full according to terms of agreement with Synchrony ( NONE of which were in default or behind ) were closed!! This is an outrage as all the information for which their decision to close was based on each one ( and they were all the same ) stemmed from derogatory records or recent collections and these " adverse '' accounts have been shown to be wrong, false, and or have been removed from my credit report after review by creditors. There is no reason to have closed these accounts as I was never in default nor behind, and in fact several had XXXX balances. The closings have occurred over the course of last 6-8 weeks.

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