vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.

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 2016-11-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016, 60 days XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XX/XX/XXXX My wife had dental work done at XXXX XXXX. The total work cost {$1100.00} and they charged it to a Care Credit Card in my name, card # XXXX XXXX XXXX XXXX. It was a 6 month no interest if paid in 6 months. Care Credit is now Synchrony BankI paid each month as required as follows : Pmt. # XXXX Date XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total paid was {$1000.00} and as soon as I realized I made an error I called and talked to a lady there and told her my problem. 
I have had many health problems lately, including a XXXX because I was XXXX from low XXXX XXXX. I had to have my XXXX because of XXXX and I also had XXXX XXXX at the same time and had to have the XXXX removed also. The I had months of XXXX XXXX which cost me over XXXX of my XXXX. Needless to say my mind was not 100 %. I new I had to pay the {$420.00} but some how I only paid the {$300.00}. 

I then received a phone call demanding I send them {$1300.00} or they ( insinuated ) they would ruin my credit. Not wanting any problems I sent them the {$1300.00} I sent them XXXX registered letters and received no beneficial replies. Why the {$1300.00}? Nothing adds up except my loss. Even the 26.99 % interest does not add up. They sent me a check # XXXX for {$120.00} dated XXXX. Why? I have not cashed it!! 

Please help me if you can! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In 2016 I had two late payments to my TJMaxx Card issued by Synchrony Bank. In both cases they were silly snafoos that were my fault, but had nothing to do with credit worthiness. In both cases I identified the issue before Synchrony did and proactively called and made a new payment. 

I have now received an email cancelling my card. I do not find this to be fair as I am perfectly credit worthy and have had the card for years with little or no past issue. I also spend a reasonable amount on the card. I feel that the bank should have had a conversation with me rather than just cancelling out of the blue. 

I believe this represents what is wrong with the system. Machine made decisions with no consideration or focus on the client 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 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Someone named XXXX XXXX out of my county 's Consumer Dispatch called at an unknown number saying they will make an attempt for XXXX summons and if failed, there may be a bench warrant for my arrest. They left a phone number of XXXX and a case file number. When I called, I gave the case file number and was put on hold for a long time. Then a guy named XXXX came on the phone and indicated my name, address, phone number, social, and work history. He said I am to talk to my husband about the call because a settlement was discussed with him. That I am to talk about it tonight with him. I told him if it 's about me, I am to know. He accused me for owing money for a credit card. He began spewing credit cards I have currently and kept threatening me I 'd be going to court. I asked him if he was a lawyer and he said he represented XXXX XXXX. Again he indicated my job history. I asked him what does that have to do with anything? He said it means you got money. My husband who also got the same voice message and felt the same feeling I did. This is a scam. When my husband called, he related it to the guy being a XXXX or something. Very unprofessional by saying, so you got the money or what? This is reported to our local police department and if probable the Federal Trade Commission. Someone has my identifying info.

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 2015-07-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
When I went to XXXX to make a purchase I was asked to apply for their visa card to get a discount on my purchases. 3 months later ( XXXX XXXX 2015 ) I get a call from a collection agency telling me I owe a balance that I have not paid and they have put my " Delinquent '' account in collections. I was shocked because I always pay my full balance as soon as I get my statements. In this case I never got even one statement from this company. They told me the address they sent it to and it was not my address. It turns out that the bank handling the card " Synchrony Bank '' had made a mistake and sent it to a completely different address in a different city. I told them my address and also told them to get me out of collections immediately since it was their mistake. I would happily pay my original balance without the fees attached but they would have to correct the balance and send me a statement first. Nobody on the phone was helpful in this case. They have given me a bunch of different numbers to call and when I asked for a supervisor to correct this situation nobody came to the phone and left me holding the phone for a while. I finally hung up and tried to call XXXX headquarters and the bank themselves but when I called the bank number an automated message came on saying my account has been sold to another company. I am very disappointed and angry. I just want to pay the amount for my purchases ( XXXX ) and I 'm not responsible for their mistake. They need to mend what they have done by correcting their report to my credit. I did not deserve any of this. I am going to complain to XXXX as well and will never shop there again and will make sure I will make sure my friends and family will not shop in Gap either. I 'm still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.

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 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
I recently extended my Mercedes Benz Financial Lease from XX/XX/XXXX - XX/XX/XXXX. However, I am wondering why Mercedes Financial stopped reporting my installment loan to the XXXX credit reporting agencies. Because my XXXX is no longer being reported to the XXXX reporting agencies ; my credit score with all XXXX bureaus took a nose dive because there is no recent installment loan payment history. I have an active lease still with a lease maturity date of XX/XX/XXXX. Therefore, the payments should be reported to the XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I was sent a credit card in the mail by Synchrony Bank in XXXX Fla. in XX/XX/2017. I have no account with this bank, have never applied or asked for this card. This account was opened without my agreement, knowledge or permission. This account has been established fraudulently and I am concerned about how this affects me. I want this account closed immediately.

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 2015-06-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
This was on my credit report years ago.. I wrote XXXX credit bureaus, XXXX.. I disputed owing this bill this bills years ago.. All XXXX credit bureau dismissed an removed this from my credit report. Now i am getting threating letters again from Convergent. Same bill XXXX I so not owe this bill. Please stop this. Stop the harrassing letters etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XXXX. XXXX phone calls daily, starting at XXXX XXXX, going til XXXX 
I have XXXX numbers blocked from this agency. 
XXXX. Mostly recordings, that fill up voicemailXXXX. Reps are VERY rude and threaten legal action, wage garnishments, and loss of employment if I do not pay. 
XXXX. No paper correspondence has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.

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 2016-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING, INC. report collection on my credit report without contacting me of this debit. Debit was discharge with chapter XXXX under XXXX, and now placed back under a different name.

Company response to consumer: Closed with explanation