vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We bought a mattress and springs using promotional financing from XXXX with Synchrony Financial. The mattress is a defect. The side is not sturdy on XXXX side and people roll off. and XXXX sent out an inspector but he did not spend more than XXXX minutes and did not return this product. This defect has resulted in XXXX XXXX to my family. This is unacceptable and XXXX/Synchrony needs to issue a full refund. I will not tolerate further injuries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
received notice from collection agency that I owed over XXXX to a credit card from TJMAX which I do not have I have never been in a TJMAX. This was through Syncrony Bank and done XX/XX/XXXX. I had just opened an account at XXXX store in XXXX through Syncrony Bank and one month later I receive a letter from XXXX It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I disputed some unauthorized transactions more than 60 days ago and they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services
State: WI

Complaint narrative:
We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello CFPB : Would it be possible to re-open my complaint XXXX? 
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. 
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 2016-11-08 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
A balance transfer was initiated with Barclaycard on XXXX/XXXX/XXXX based on a promotion they sent sent for 3.99 % promtional interest until XXXX XXXX. On XXXX/XXXX/XXXX they opened a case to reverse {$950.00} that was mailed via check to XXXX. On XXXX/XXXX/XXXX XXXX cashed that check. 
Attached is the check Barclaycard sent and my transaction statement showing that it was deposited into my XXXX account. On XXXX/XXXX/XXXX Barcaycard sent me letter that they closed this open case. But they have not " recovered the {$950.00} '' from XXXX. As of today XXXX/XXXX/XXXX the XXXX is still in in XXXX account. I need closure to this balance transfer reversal fiasco and need to know the date they will recover the {$950.00} from XXXX since they reversed the balance transfer ( and not with my permission in writing I 'll add ) 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 2016-08-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened an account with Synchrony financial and they charged a activation fee for my new account. I called about taking out a loan with them first and asked about an activation fee and the customer service gentleman said that there was no activation 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 monetary relief
Consumer complaint received 2016-02-10 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: TX

Complaint narrative:
A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.

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 2015-05-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I went to Ashley Furniture Home Store on XXXX XXXX and XXXX XXXX in XXXX, TX. I applied for {$410.00} in financing for the purchase of a dinette set. approximately XXXX weeks later I received an Ashley furniture credit card in the mail with a {$2500.00} limit. My complaint is that I did not apply for a credit card. At no point was I told that in applying for financing of only {$410.00} would a request for {$2500.00} of credit deceptively be submitted, therefore added to my credit report. I called and complained and was told there was nothing that could be done. I stated I would not be using and would destroy the card. I further demanded that the correct the amount of credit reported to the credit bureaus to accurately reflect the amount of financing I authorized. Is n't it deceptive business practice to apply for an amount greater than what the consumer requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Company took XXXX payments of {$110.00} on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. applied all XXXX payments to the account in one month and assessed a late feel on XXXX/XXXX/2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XX/XX/2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/2016 and was assured a letter with copy to me would be sent ( never received ) called again XX/XX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.

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 2016-11-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.

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 2015-09-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX. I originally told them I would pay for all services when they were finished. The procedures were incomplete at the end of the day and they rushed me through paperwork signing me up for a finance company, Care Credit ( Synchrony Bank ), to pay for the work. I was still disoriented from the procedures and suprised it was not finished. I did not know I was authoring any additional work to be charged on this credit account. I got the bill a few weeks later and it was for an excess of {$4200.00}. None of the work she charged me for was ever done except for XXXX XXXX which were not even completed and done incorrectly. I have had to have the work re-done by another XXXX. I disputed the charges with Care Credit ( Synchrony Bank ) and they completed an investigation that resulted in a finding in my favor and {$800.00} taken off the bill. They claimed that I still owed over {$3400.00} for XXXX botched XXXX. Even though I can prove with XXXX that I never received XXXX for which I was charged, they told me that they have taken the word of the dentist that these services were provided and stand by their charges. I will be following up with an attorney, but I do want to report what I feel has been fraudulent billing by this XXXX, charging for services that were never performed, and support of this fraud on behalf of Care Credit ( Synchrony Bank ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did not activate a new XXXX card issued by Synchrony Bank after a takeover when all XXXX, FL XXXX Stations closed and the account was paid up on the old card. They have now XXXX received XXXX/XXXX/2015 ) sent me a bill for {$12.00}. I refuse to pay this blatant charge manufactured from pennies likely found in an audit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.

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