vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I opened a PayPal Smart Connect ( XXXX ) account XX/XX/XXXX. I made some purchases, but I never received a statement from XXXX until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in XX/XX/XXXX. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years. XX/XX/XXXX, I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ( {$730.00} ) to the new creditor. Being a loyal customer with XXXX other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.

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 2016-06-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.

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 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this 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 non-monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Clark County Collection Service
State: NV

Complaint narrative:
I was contacted by XXXX at Clark County Collections about a debt for XXXX, and i immediately notified her that i was disputing the debt. They have never sent me any verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.

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

Complaint narrative:
Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.

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 2016-10-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a CareCredit account through Synchrony Bank. I just received notification that my account was closed due to inactivity in the last 12 months. Given the nature of the account being for medical needs, I never would have thought I needed to use it within a specific period of time to keep it open. How can I plan when medical needs will arise? Of course, now I do have a procedure scheduled for which I was planning on using this account however when I called to ask to have my account reactivated, I was told that was impossible. If it 's possible to close it, how is not possible to reopen it? My letter clearly states the closure was not based credit behavior. I also want to point out that I was not notified my account was scheduled to be closed so I had no chance to request it remain open. When I questioned the lack of notice during my call with Synchrony, I was told they did notify me with a letter telling me account was closed. What good does it do me to notify me after you already have closed my account without having the ability to reinstate it. Account closure letter dated XXXX/XXXX/15, received XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Fraud occurred on my credit card, so I filed a report and closed my account. I called the credit card company and the matter was supposedly resolved. However, I continue to receive monthly bills. At first, the charges were for interest, which I paid. XXXX statement the balance for these fees was minimal. The XXXX statement the balance shot up to {$150.00} and there is no indication on the statement about where/how these charges arise. I have been in contact with this company for the past 6 months trying to resolve this issue. They continue to charge me for nothing. I should have zero balance on a closed credit account whose fees/interest had already been paid off.

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 2016-08-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on XXXX XXXX and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to XXXX XXXX email requesting assistance in this matter. 

i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr XXXX XXXX XXXX XXXX XXXX XXXX, mass 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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-07-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I settled my payment but it 's still showing on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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:
On XXXX XXXX I received a letter from XXXX located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with Walmart she then hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. 
I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. 
My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) 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 2015-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Wal-Mart Credit Card account XXXX with Synchrony Bank throughout the period I had an account they double charged payments by trying to take the same amount out a second time for the same amount as I made the payment. Last payment they did the same thing, my banking institution caught it and reversed the charge. Synchrony Bank once again accused me of bouncing a check and closed my account. I have never paid late. This is unfair activity by Synchrony Bank ; I received a letter of their acquisitions. Treating consumers this way needs to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.

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 2016-07-31 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:
I 'm writing to dispute, for the third time, XXXX XXXX XXXX XXXX. Had charged off credit card through JCPenney owned first by GE then transferred to Synchrony Bank and this still sits on all three credit reporting agencies. Debt subsequently sold to debt collector, XXXX XXXX XXXX appears on all three credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all three agencies. 

THIS WAS TWO YEARS AGO AND STILL BOTH ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which XXXX XXXX was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all three credit report sections listing JCPenney AND XXXX XXXX XXXX and a copy of their letter.

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 2015-11-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.

Company response to consumer: Closed with explanation