vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I did a kitchen install with Lowes in XXXX XXXX NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager XXXX at the time. After a few days I received a letter from the bank letting me know the store had reached out to me and that I would be responsible for the full amount. I called the bank to let them know Loews and I did not come to an agreement and re issued the revoked charge. Now Lowes is letting me know they will not talk about compensation until I release the full amount. I have been working with XXXX in the Lowes corporate office to try and get this resolved. She has confirmed Loews wanting the money released before talking compensation. I feel releasing the money will compromise my negotiating power and would leave me in a vulnerable position.

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 2017-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
I keep getting calls on my cell phone from the national service bureau from number XXXX trying to reach someone that does not live at my address about an accident from 2014. I have asked them repeatedly to stop harrassing me. They are located in the state of Washington. They say it is a forwarding number which is a lie.

Company response to consumer: Closed
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I allowed a store card from Amazon.com to become delinquent. The original card was issued through GE Capital. Amazon now uses Synchrony Bank. The last transaction on the account was in XXXX of XXXX. A resolution was reached through a debt collector ( XXXX XXXX XXXX of XXXX AZ ) on XXXX XXXX, XXXX and the account was settled. A confirmation number was issued ( XXXX ) and the agreed amount was taken from my checking account. This week, mid XXXX XXXX, a letter came from a different debt collector ( XXXX XXXX XXXX, XXXX of XXXX IL ) demanding payment for this account which was already settled and satisfied. Amazon.com and Synchrony have both told me to resolve the account with the original debt collector. However, the original agency ( XXXX XXXX XXXX ) is no longer in business. I have no faith in Amazon.com. I fear that they will continue to try and collect a debt which has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
synchrony bank /old Navy has been reporting a fraudulent account on all three of my credit reports for years now. # XXXX this account was not opened by myself nor used by me. I was not at the address they supplied me, at the time they claim an account was opened and used. I 've asked repeatedly for a signed application or signed receipts showing my signature. they have refused to supply this information. this fraudulent account is preventing me from obtaining new credit and is damaging my good name. it seems very stressful and upsetting. I have an old Navy account that I did open myself this year that is in very good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was charged a {$27.00} late fee because GE Capital Lowe 's card prohibits their auto-pay users from paying prior to the due date and forces all auto-payments to be made on the exact day due. Such prohibition assures millions in late fees whenever a bank holiday prevents timely payment for their auto-pay users. Clicking on the chat icon directs the consumer to a defunct link. 

GE Capital Lowe 's card additionally prohibits purchases of small items who wish to pay off their purchases before incurring interest from doing so if the same consumer already entered into a low-interest long-term fixed payment agreement for a big ticket item balance also on the same card account. Thus any money sent even if it is multiples of teh monthly payment on the long-term loan only gets applied to the low-interest long-term loan forcing the consumer into paying 5-6 times higher interest on small purchases. Lowe 's response that all you have to do is call each month to rectify but after doing this three times in a row and being tossed back and forth between departments to be re-validated for 30-90 minutes each time it is cheaper to simply never use the Lowe 's credit card for small purchases if you still have a loan balance for a long-term agreement at a low interest rate.

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 2015-12-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have bought a product in 36 installments with XXXX XXXX who gave me credit through Synchrony Bank. The bank instead charged the amount of {$3900.00} in full. When I called them to ask about on XXXX/XXXX/16 they have told me they will issue a check for {$3800.00} and that it will take up to 3 weeks to arrive. I received letters on the e-mail saying the check was sent on XXXX/XXXX/16. It is XXXX/XXXX/16 and the check never arrived, now they are charging me again for the {$3800.00} amount due on XXXX/XXXX/16. At this point I just want to avoid paying them again since the check never arrived and I already paid the full amount. Please help me this is going to get me in trouble with my credit if I do n't pay them again.

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 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank/JCP, are stating that I have not been sending in my payments when I have been mailing through my bank checking account every XXXX Wednesday of the month since I have had the card. But in the last 3/4 months I have been getting statements saying I have not paid on my account. I originally owed {$330.00}, in which I have been sending a payment of {$30.00} each month ( I do have the bank records to show this ) but Synchrony have been sending statements that they have not received this money and adding on ridiculous fees & charges bringing my account to the {$420.00}. I 'm a XXXX on a fixed income and I do n't need the this type of trouble. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is a follow up to CFPB Case XXXX. After reporting my concerns in XXXX 2015, about Synchrony Bank I am not satisfied with the resolution. The company had removed 2 payments from my checking account ( without approval ) and applied them to a JC Penney XXXX Card account ( which I did not have ) The payments I was making towards a XXXX XXXX were not recorded towards my account, therefore, late fees were charged. The account numbers on these account are very different, the addresses for payments are not the same either, yet these were the explanations I received. The solution was to credit the XXXX account, and remove any outstanding balance, however, instead of doing this, I received a XXXX balance on the JCPenney account ( which I do not have ). I have called the Senior Specialist who handled the case with this information and had to leave it on the answering machine XXXX twice ). I have been more than patient with this company, but still, I receive no response. In addition, my credit rating has dropped almost XXXX points, due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX, XXXX I 'm writing to you in regards to my Synchrony bank account at JC Penney I started an account with JC Penney approximately seven years ago. Recently synchrony bank acquired the credit account and since than I have had nothing but problems. 
I had a balance of {$320.00} on XXXX XXXX XXXX. I set up a payment agreement on the internet, for {$65.00}. However, my payments were not deducted from my account on the same day every month so I paid off the balance on XXXX XXXX, XXXX. But, Synchrony continued to credit my account. On XXXX XXXX, XXXX, they credited my account XXXX. I called and was told this would not happen again and a check would be issued. I asked for written documentation and was told they could not give me anything in writing. On XXXX XXXX, XXXX my account was again credited for XXXX. Again, I called and told them my account was closed and paid off and again they sent me a check. 
Because I did not trust them I had my bank stop payments on any deductions they tried to make. Since XXXX they have tried to credit my account four times and now claim I owe them XXXX last time I talked to them, I got so I angry and cursed them out. They accused me of lying. Please, can you help. This is hurting my credit and my husband and I are looking forward to buying a house in the future. 
I have enclosed a copy of my bank records showing when they credited my account, the stop payment issued by the bank and the statements from JC Penney. 
Thank you in advance 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 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record. 

Thank-You 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 explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on XXXX XXXX, 2015 with XXXX and XXXX, the XXXX credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from XXXX and XXXX stating that the account was verified as accurate by Synchrony Bank. 

On XXXX XXXX, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated XXXX XXXX, 2015 ( I received the correspondence on XXXX XXXX, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account. 

I filed a complaint against Synchrony Bank with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2015. However, on XXXX XXXX, 2015, I received correspondence from the OCC referring me to the Consumer Financial Protection Bureau ( CFPB ) ( see attachment ). 

Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( XXXX ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( XXXX ) ( A ). 

As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX. I sincerely appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Conn's, Inc.
State: KS

Complaint narrative:
XX/XX/2014 I received a letter from the IRS stating that I owe the agency over {$6000.00}, I ask how, and the representative told my that I have not file my taxes with XXXX company I was working for since XX/XX/XXXX and I ask which company because I know I had never miss filling my taxes. The rep told me that I have been working with a company in XXXX, CT since XXXX. Folks, I have never heard of a City called XXXX and never been there, to cut story short, the representative I was taking with gave me the company name XXXX XXXX XXXX and ask me to XXXX their phone number and I did. 
I called the company and ask that I speak to the HR and told them what was going on, the HR person told me that am crazy and said that am in the garage as we speak working. I demand that she call police immediately and have him arrested she ask me to hold on moments latter a man 's voice on the line whom introduce himself as the manager, I ex [ lain every thing to him and he ask that I fax my government issued I.D to him to prove that I am who I said I am, i drove to the closest library and faxed more than he asked for and he called me XXXX min latter telling me THAT THE INDIVIDUAL WAS PRESENT WORKING AS WE SPEAK, I demand that he call the police and arrest him and he said that he could not do that, that all he could do is to ask him to leave the premises immediately. 
One week latter, I pulled my credit report and found out i WAS IN A MUCH DEEPER HOLE THAN THE IRS $ XXXX 
its been two years since this incident and am still fighting to clear my name. Upon investigation IRS CLEARED ME OF ALL CHARGES though am still owing tow states local TAXAS. Other companies has also deleted all charges including XXXX XXXX AND XXXX. 
*BUT XXXX CREDITOR AND XXXX CREDIT AGENCY REFUSED WHICH BROUGHT ME HERE TODAY. XXXX have refused to delete saying that only the original debt furnisher can ask them to delete. 
* The original debt Furnisher is CONN CREDIT CORP. I have called this company more than 30 times left messages send letters and have not received one response from them. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior, self supporting, work fulltime and pay bills on time. This is exactly the kind of credit practice XXXX can help intervene on. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX continues to try to collect a debt I do not owe. They were sent a cease a desist notice. They have sent deceptive notices making claims that are not true.

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 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my Banana Republic Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Banana Republic Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I applied for a Walmart credit card back in XXXX of 2016. On XXXX XXXX I received my card and went to view my account and register my card. I found my card has been used and I have no available credit. I called and reported fraud and they told me they ca n't do anything for 60 days. I said your telling me I just received my new card and because somebody already used it I ca n't use my card. They said yes, you have to wait the 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation