vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening. 
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In XXXX I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending XXXX XXXX XXXX It involved a transaction dated XXXX/XXXX/2015 numbered XXXX, ostensibly to a " XXXX XXXX TX '' in the amount of {$260.00}. Later this was upheld and the dispute apparently was resolved in XXXX 2015. 

Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably another un-supported charge made by these people identified as XXXX XXXX TX. It just goes to show you that the information contained in the XXXX XXXX, 2015 letter that they felt might slip by your bank. 

I have asked the bank on three subsequent occasions to please reverse this charge that is clearly an error. There has been no response forthcoming from the Bank 's Customer Relations Department other than on the reversed charge, which was on the billing. Instead, they have charged me interest on this XXXX twice and now have charged another fee of {$25.00} for late payment which I have protested and sent back their Sam 's MasterCard for their failure to communicate to me just what is their rationale for charging another fee for the XXXX when they originally had upheld my disputed billing. 

All I got was a letter dated XXXX/XXXX/2015 stating that " ... your credit of {$260.00} was applied to you account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' This took care of the double credit but there was no explanation for the other billing XXXX! 

And this has now resulted in the fourth letter regarding this matter because their recent billing included more late charges and another service charge. So, I have had no other option than to cancel this card because of your failure to service the charges made on it particularly to Sam 's Club ; and, I have now considered filing a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.

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 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
Broken lease that was placed on my credit report account with XXXX on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX Apartments Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service XXXX Buerau /XXXX Apartments {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX Apt XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX Apartment Homes per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect XXXX of all it reflects a different amount then the amount owed, XXXX it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone applied for a credit card using my social security number in XXXX XXXX, CA. They put a stop on the application because I called but they would not give me the information put on the application without a subpoena. We have reason to believe we know who committed the fraud as there is a current felony case against him. The company is not pursuing any legal action against the fraudulent behavior and will not give me the information even though my social security number was used.

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 2017-02-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
- On XXXX XXXX, 2017, I mailed a cashiers check, along with a letter indicating that it was to payoff my account ending # XXXX with Synchrony Bank. 
- On XXXX XXXX, 2017, I received a call from my bank stating that they just received a call from a XXXX XXXX in Maryland who received a letter from Synchrony Bank and my check. He stated when he contacted Synchrony Bank not knowing what the check was for, he was told to contact the bank the check was drawn on. 
- I immediately contacted Synchrony Bank upset that they would send out my payoff check and information out to someone I did n't even know. The customer service rep insisted that they would never do that, and that I must 've sent the check to XXXX XXXX. After 32 minutes of going back and forth, and the customer service rep not acknowledging that this was an issue as far as securing my personal information, insinuating that this was my fault and I should make a payment online and denying that this would even happen, I gave up and ended the conversation. I felt that the customer service rep was handling this as if I were lying based on the fact he could n't even realize that his explanation did n't make sense. 
- On XXXX XXXX, my bank received the check back from XXXX XXXX along with the original letter from Synchrony Bank. I 'm grateful that he was nice enough to send it back so I could then deposit it in my account and payoff the account online. Mind you, I sent this payment on XXXX XXXX, and because of their lack of prudent procedures, and disregard for customer information, this account was delayed in being paid off by almost a month ( I made a monthly payment in between all of this so I would not be late on any payments ) I do n't know what angered me more, what they did, or the treatment I received from customer service. Either way, both are unacceptable in my eyes.

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 2015-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Summit AmeriFirst Holdings, Inc.
State: WA

Complaint narrative:
We got a home improvement loan for {$12000.00} from Amerifirst XXXX. We have paid, to date {$13000.00} on this loan. We have filed bankruptcy, and Amerifirst forced me to sign a " Reaffirmation " of the original loan claiming we still owe {$9500.00}. This loan STARTED in arrears, and the reaffirmation places us even further in arrears. They have repeatedly used the threat of foreclosure on our home as a club to end all discussion or negotiation between parties. There were things not disclosed about this loan, such as the lien against our home and the total payoff of twice the amount of the original loan. All the original documentation was done in our home by the XXXX salesman, and XXXX has since gone out of business and reappeared XXXX. We feel like we were defrauded from the start, and have been financially abused since. These companies are in collusion to use predatory loans to assault consumers. Amerifirst has XXXX complaints with the XXXX Report, and they need to be held accountable for their ethically vile practices and pressures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FM

Complaint narrative:
I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. 
Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. 
It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. 
Please assist me in this matter. 
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 monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have an outstanding balance on my credit account with Synchrony Bank. My last payment was a substantial portion of the principal balance. I missed my last payment and have since become a victim of what I believe to be illegal collection practices based on the information provided on the ftc.gov webpage. They are repeatedly calling my phone up to XXXX times daily. I believe they should be held responsible for inappropriate collection practices, and I intend to withhold payment based on this principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation

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 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I closed a XXXX account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed XXXX XXXX to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my XXXX score dropped because they payment was late. my new statement states they will autodraft the amount overdue ... why did n't they just autodraft the appropriate amount to start? I tried to call the Bank and speak to customer service but received a recorded message that they were having technical difficulties and was disconnected. My XXXX score has dropped XXXX points now and the interest rate on this card jumped to $ 27 %. I would like my credit score restored and the late fees refunded and my previous rate of 12 % restored

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
When I rented from XXXX XXXX, they specifically told me not to complete the property condition report. I paid first months rent, last months rent, plus a deposit. I paid every month on time and I gave them notice I was moving per rental agreement. The damages they claim were already there & were supposed to be repaired but Maintenance refused to give me 24 hour notice & continuously violated my privacy by repeatedly entering the premises. I finally reported this unlawful entry to the police when he attempted to enter after XXXX. I have never been sued for these damages & there is no judgment stating I am liable because there is no proof these damages were caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Twice now in three months I have received a credit card ready for activation in my name that I did not apply for. Synchrony Bank is allowing anyone with a small amount of information to apply and get a credit card sent to my home. Since Synchrony Bank is in both cases the card provider, I suspect they are the real problem. I have read other reports of the same nature involving them. This needs to be stopped.

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 2015-07-16 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: AZ

Complaint narrative:
Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
During my duties as a Vice President of XXXX, XXXX, a construction company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of Florida. In many occasions I requested to Mercedes Benz Financial to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to Mercedes Benz Financial to remove any negative information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation