vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have been trying to access my synchrony bank account through amazon for weeks. they say my bill is late and when I try to pay it I can not open my account. this has happened several times they are the worst company I have ever worked with, they are completely non-communicative and seem to take measures to keep one out of ones account. Please help, this effects my credit rating. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 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: NY

Complaint narrative:
On or about XXXX of 2015, XXXX contacted me about certain JC PENNY credit card debt account # XXXX. I personally notified XXXX, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, XXXX, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised XXXX, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that XXXX provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of XXXX and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, XXXX purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him.

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 2016-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX 2015 my credit card information was stolen and used at a Walmart in California. I reside in XXXX, Texas. I immediately reported this activity to Synchrony Bank and an investigation or claim was initiated, which I was told would last 4 to 6 weeks. Since then I have been in communication with Synchrony bank, but to no avail. I have been hung up on, yelled at, transferred to departments that were closed, and put on hold for over 30 minutes. I have spoken to customer service reps, supervisors, and fraud specialist. In XXXX 2015, after completing a survey that was not in the favor of the company, I received a letter stating my dispute had been resolved and my had been credited the amount. Today my balance still reflects the fraudulent charges. No one I have spoken to at Synchrony bank has worked to resolve this issue. This is just one of the three issues. The second issue is that since XXXX I have been making monthly payments, but the account balance never changes and I am unable to view any of my past payments. I have told the customer service reps time and time again about this issue, but to no avail. The third issue is that this amount is reporting to the XXXX credit bureaus and reflects that I am using more than 80 percent of credit on this account, resulting in a drop in my credit score every month. I am at my wits end with this company and I hope that this complaint will lead to a rightful outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to them.

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: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX. 
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information. 
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License. 
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did. 
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''. 
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.

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 2015-06-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
In XX/XX/XXXX my husband and I took on a line of XXXX XXXX via Barclay Card in order to buy a computer. The credit line was advertised as XXXX months, no interest. Two years later, in XXXX of this year I was blindsided by a {$630.00} interest charge on my account. I inquired with the creditor and this was their response : '' Our records show that you received an extended amount of time to pay off your XXXX purchase without receiving finance charges. Where the purchase was not paid in full by XX/XX/XXXX, finance charges were calculated from the original date of purchase and billed to your account in the amount of {$630.00}. 

" We would like to inform you that we placed numerous reminders on your monthly statements informing you that the expiration time is approaching and that you need to pay the purchase in full to avoid being assessed finance charges. We also send you a number of informational emails that would have provided you with additional information on how deferred financing works, as well as reminders, explaining that your purchase needs to be paid off by the expiration date provided on your monthly statements. " Though the company says I was sent " informational emails '' and " reminders '' I do not recall any of these. I had no clue a finance charge bomb was looming -- or that creditors were allowed to do such a thing. I was under the impression that this line of credit, although an albatross I could n't wait to pay off, was in good standing. Now my balance is over the approved line of credit and I owe more than I originally charged for the computer. I know this is no subprime loan, but it seems like these practices should be illegal. And of course, I know I 'm not the only XXXX who needed a computer and had no cash in hand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was told that if i get caught up by my next due date they would n't close my credit card. I did that and they still closed 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 explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
1. After stating that I could not pay any of my debt until XXXX XXXX, the debt collector kept asking me to pay half of it this week. 
2. Debt collector kept asking for checking account and debit card information AFTER I stated that it was not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX 2015 I started to have major Problems With Barclay Card US MasterCard. I was a few hours late on my paymehnt I was charged a late fee and had called in and emailed the Customer Service XXXX. I was over my limit and i was charged Late charges and Overlimit Fee charges over XXXX I emailed and spoke to the Customer Service Center and they refused to help. Finally I contacted the XXXX to see if they could help and I spoke to a Customer Service Agent and she was very rude I felt that she was discriminating against me and did not take the time to help. She was very Prejudice against others. All on want is removed off my credit report and I will go to a differnt company due to Barclay Card being didcriminating against others.

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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Amazon has a private label credit card called Amazon Rewards. If you are an Amazon Prime customer, when you make a purchase you offered {$1.00} in credit if you accept normal shipping rather than Prime Shipping ( two-day ). But, Amazon does not offer its customers an easy way to figure out how much credit they have accumulated and when these credits expire. As far as I can tell, the only information about credits presented to customers takes place through email. Amazon should provide an easy accounting of credits on its website.

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 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a JC Penney payment due on XX/XX/2017, the payment has to be made by XXXX on the due date. I had made the payment on their website through my checking account like I always do. I have a confirmation email that the payment was made XXXX. I received a {$25.00} late fee!! The payment was made in plenty of time to AVOID that. They can not put a late fee on because of a payment made on the due date in plenty of time. They should not be allowed to harass all of their customers with this type of late fee.

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 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX keeps calling me, my husband, my husband 's ex-wife and my place of employment to collect a debt from Old Navy that I went through credit consolidation for in 2008.

Company response to consumer: Closed with explanation