vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround

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 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: OK

Complaint narrative:
XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX I discovered an unknown CareCredit/GECRB account on my credit report. I asked my free union legal services attorney, XXXX XXXX XXXX to dispute the debt. The dispute letter was sent on that same day and on XXXX/XXXX/14, GE Capital Retail Bank responded. Then on XXXX/XXXX/14, XXXX XXXX, XXXX. called me and let me know that she spoke to " XXXX '' at GE collections department and informed her that the debt was a fraud and " XXXX '' promised to send a fraud affidavit. I have never received the fraud affidavit and not XXXX XXXX XXXX is reporting the debt on my credit report. I returned to my legal services office today and when we called GE Capital Retail Bank we were told that Synchrony Bank had sold this disputed account to XXXX XXXX XXXX and could not help me any longer. Now the account is being reported by both XXXX XXXX XXXX and Synchrony Bank and my dispute was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CareCredit/Synchrony Bank has placed an excessive incorrect monthly interest charge on my account and will not respond to my letters, calls, or emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchases a sectional sofa from rooms to go XXXX 2016 using a {$5300.00} line of credit issued by XXXX and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in XXXX GA that no charges would accrue. Then I went to the XXXX outlet and purchased a sofa. However, I learned my credit was frozen due to outstanding charges of {$360.00} from the original purchases on my credit card. After speaking to customer service and the store on multiple occasions, I have still, three months later, not been refunded the proper amount and I continue receiving several phone calls a day for payment. There have not been any other charges on my bill other than the defective purchases. I need this remedied so I am not reported as delinquent and no longer harassed for money that is not mine to pay. 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 2016-09-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.

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 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: OK

Complaint narrative:
I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Being billed for merchandise on Amazon credit card that was previously refunded. Charge appeared XXXX/XXXX/2015. Had previously complained to CFPB when Amazon indicated they would rebill and Synchrony Bank indicated credit on account was permanent. This was not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.

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 2016-10-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
Lately we have received debt collection notices from a Michael Harrison Esq. in XXXX, NJ. The notices started coming in XXXX for services allegedly incurred by my daughter, who has a XXXX and a lot of medical expenses, in XXXX. Now we 've received a notice stating we are being sued for {$1200.00} for a bill of {$950.00} from XXXX which was allegedly unpaid, but for which we have not received any communication from the provider in years. We assumed it was a scam. Now we 've just received letters from XXXX XXXX notifying us that XXXX additional charges are 'authorized for lawsuit. ' The letters do n't even give a the services were provided, so we do n't even know what year we are talking about. Again, we pay about {$10000.00} in medical bills to various providers annually and generally pay promptly. We have no idea where these charges came from or why we are getting notices from a collection agency years after the fact. And now XXXX XXXX is using the court system to harrass and intimidate us into paying money - to his firm - which we are fairly certain is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Chevron Gas Texaco continues to use deceptive practices by increasing the minimum payment even if you make a payment. They start with {$25.00} minimum and then continue to increase the minimum each month. Even if you make a payment, if it does n't meet there minimum amount, they will charge you a late fee of {$40.00} dollars and then they increase the minimum payment again until you are unable to make the minimum payment. Even if your account is closed. I now have a minimum payment of almost {$200.00} even though I have made a payment. The company issues the credit cards from Synchrony Bank and they are the ones who collects the payments. My account has been closed for about 6 months and they make it impossible to pay off the balance by continuing to charge outrageous charges, minimum payments and late fees. Last, they report you to the credit bureau, even if you make a payment. They state that if you do n't make the minimum payment, it 's considered you did n't make a payment at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Should have never been closed. Or on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: VA

Complaint narrative:
My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
VIOLATION OF FDCPA, TCPA AND DODD-FRANK ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am a PayPal Extras MasterCard ( Synchrony Bank ) cardholder. 

On XXXX XXXX, 2016, I made a payment of {$53.00} on my PayPal Extras MC account. 

On XXXX XXXX, 2016, a second payment of {$100.00}, *unauthorized by me*, was made to the account, being automatically debited from my checking account. This transaction caused an overdraft, incurring {$72.00} in overdraft fees and causing me a great deal of distress to sort the matter out. 

On XXXX XXXX, 2016, I called the PayPal EMC/Synchrony customer service department and explained the matter. The agent promised me that a refund of the {$100.00} unauthorized payment had been requested and would be processed and sent to me by check within 2-3 weeks. 

On XXXX XXXX, 2016, having not received said refund, I called the customer service department again. I was told that no refund had been requested. The agent supposedly ( I say that because, frankly, I have no way of knowing this was actually done ) put in a refund request during our call ( again ) and reassured me the refund would arrive by check within 2-3 weeks ( again ). 

Having been a PayPal Extras MasterCard cardholder for a number of years ( since before Synchrony Bank was involved ), I am profoundly disappointed. The current course of events is not acceptable. I am doing my utmost to make payments on this account, given my circumstances -- I am XXXX and can not work due to XXXX, and in possession of very limited funds -- and I feel I 'm being met by incompetence and indifference. 
This matter should have already been settled.

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