vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 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 have contacted this company several times regarding automatic payments. I have been told that I am only able to make reoccurring payments via setting this option up online via an account login. I have attempted in XXXX, and also today XXXX to complete this process with no avail. I get the run around when contacting this party or setting up a post dated payment. The system is not user friendly and blocks you out if you are pass due. This is trickery at its finest ; Then I have to hear a lecture when I am late on top of being contacted at my job. If you call them from a phone number they in tune save it and will call you the next month a day after your payment is due. Just because I contact you from a number does not give you the right to in turn contact me on it. Telling me I am late every month but not allowing me access to complete my payment on line is wrong and is effecting my credit when I forget to make a payment. I should be able to complete auto draft by a paper form or complete the set up in the store. I should not have late payments on my credit when I am trying to pay every-month on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.

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 2016-04-07 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I purchased appliances total almost {$5000.00}, the contract was XXXX interest until XXXX XXXX ( minimum payment ( {$140.00} ). I have been paying pre scheduled weekly payments that totaled {$300.00} to {$350.00} every month until XXXX XXXX and changed it to Bi weekly and some weekly, paying smaller amounts thinking my payments should of been XXXX due by this time. This month I am showing a minimum payment {$210.00} and a past due of {$57.00} when I only owed XXXX to pay it off. 
The Customer Service agent I called and tried to explain something was wrong and that I was charged a late fee of XXXX when I should be way ahead of schedule. He was very rude. I am considering closing all my Synchrony Accounts if this is how they are going to treat their good customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.

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 2016-05-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a Value City Furniture card about a year ago as I was about ready to purchase a house. Some complication arose and I had to postpone my buy till next month. Now I contacted Synchrony twice to inquire when they would shut down the card due to inactivity. I spoke to XXXX csr on two separate occasions and was told 2 years and 18 months. Well about a year after the card was open, I get a credit alert that my card has been closed this weekend, and it has been nowhere near 2 years or even 18 months. I am infuriated as I thought I took measures for this not to happen, but due to XXXX csr who both gave me bad information, my card if now closed and I will have to figure out another way to buy furniture. I have already talked to more incompetent csr who say nothing can be done. If there is anything you can do I would appreciate it. I am just baffled as I took every step to make sure this did n't happen, but poor employee 's get my card shut down. The reason I asked was because I would have bought something small to keep the card open, which was why I asked on two separate occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: GA

Complaint narrative:
I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Oliver Adjustment Co.
State: TX

Complaint narrative:
I am getting repetitive debt that I have to dispute monthly, I would like to not have to do this as this account is fraudulent and I have already had it removed, It continues to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I did not authorize credit inquiry from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The debt collector sent me an email with an 'arrest warrant ' on it. They also stated that they would be, " And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: WA

Complaint narrative:
Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. 
I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. 
This is not acceptable for a lender, thus I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been contacted by XXXX XXXX XXXX about a credit card that is in my maiden name and the last XXXX of the social match mine but it is not my credit card. The bank has turned it over to XXXX XXXX XXXX but it has been linked to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers.

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 2016-07-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account. 

I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have? 

I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.

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 2015-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had the care credit card since 2009 and have been charged interest. 
I have not received the refund claim form from care credit. Is there any way Ican receive one?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.

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 2016-04-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.

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 2015-04-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have an account through synchrony bank. I 've faithfully made all payments. I sent in a post dated check dated over XXXX weeks in advance. They deposited it early resulting in the overdraft of my bank account adding fees. When I called the correct the problem they told me they had the right to cash post dated check and we were out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline 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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.

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 2015-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
order company to cease all phone communication & send it thru the mail and they continue to call me

Company response to consumer: Closed with non-monetary relief