vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since XXXX I have been an account holder of a JC Penney credit card and since XXXX a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment XXXX I made the minimum payment. I became employed in XXXX of XXXX, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a XXXX credit card limit But in all the years as a card holder my balance remain manageable around XXXX. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the XXXX balance I owe at the time of those XXXX emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card Settlement program XXXX out of XXXX XXXX California. ( I have already settled on XXXX credit card account ) OF course this action to settle XXXX of credit card debt affects the Credit Score. So my score dipped from XXXX to XXXX. On XXXX XXXX, and XXXX XXXX I received XXXX separate letters from SYNCHRONY BANK XXXX referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to {$100.00} to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a XXXX enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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:
I recently had a death in the family. And i am only behind XXXX. Me and my wife receive between XXXX calls a day. Some times we will get them back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was haggled into a " sampler package '' of a time share with the tactic of being 0 % APR for the first six months on this credit card. This was after almost two hours of high pressure tactics. It was not only afterward that I regretted it but very much so a month later learning this purchase was at 18.99 % the bank informed me. They gave me a run around to get it fixed and it still is n't fixed. The first gentleman I talked to I vented my extreme frustrations on with learning about how I was scammed a second time. He told me to call XXXX XXXX and if they did n't work with me, he 'll submit the dispute. The second time I called with my Financial Advisor I learned they are partners with XXXX XXXX and sent my information to their customer care of whom can only be contacted by fax. I am completely unsatisfied with XXXX XXXX. I do not want this credit card. I do not want this purchase that was made on this credit card. My next step is to put a complaint against XXXX XXXX XXXX. The money lost below is not including the interest. I have not paid yet but so I do n't mess my credit up I will have to. I am going to fight my best to get out of this scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My credit report shows a status of " Closed. {$1100.00} written off. '' from XXXX. I have disputed it with both XXXX and XXXX. XXXX came back with no update as a result. After spending almost an hour on the phone with Care Credit they told me that they had never received an dispute ( s ) and that they could n't update it this account because they sold it to XXXX and they would have to report it. I explained to them that they sold it, it 's not written off. They did get paid and they agreed but because it was sold off, they would n't update my credit report, that XXXX had to. XXXX is n't the one reporting the error of it being written off. XXXX conference called all of us on the phone and eventually hung up on us because Care Credit refuses to mark it as paid instead of written off. They keep saying they will not update it because it was sold to XXXX. I called XXXX and they are sending me that I paid them off in full, but they ca n't report for Care Credit. No one will help me to get this updated on my report. This mark is causing me to receive higher interest rates, ( 3 % ) higher on loans. When I did pay it off. Please help me, they sold it, got paid for it and still wo n't update.

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 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I would like to file a formal complaint against Toyota Financials for mishandling consumer information and also for illegal business practices. 
On XXXX/XXXX/XXXX, I applied to lease a XXXX Toyota XXXX XXXX at priority toyota of springfield. On XXXX/XXXX/XXXX, the application was denied by toyota financial services ( Please see attached ). When I received the denial letter, I went to the dealership to return the vehicle. This happened the day after I received the letter. Dealership refused to accept the vehicle and threatened to tow the car at my expense. Dealer printed new temporary vehicle tags that was set to expire a month from XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called the bank to see if I could make a payment on the vehicle since the next payment was due on XXXX/XXXX/XXXX. Toyota financials told me that they did not have account number so I could not make a payment on the car. They told me talk to the dealership. I went to dealership to return the car since there was no financing for the car. Dealership again refused to take the car back. This time the Manager XXXX XXXX told me that he will call the towing company himself to tow the vehicle at my expense. 

During this time from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, both priority toyota and toyota financials kept checking my credit reports. They checked the credit report at least XXXX times on different dates for the same application. 

On XXXX/XXXX/XXXX, I received a call from toyota financials telling me that my account is past due and that I should pay {$610.00} by XXXX/XXXX/XXXX or they will take legal action. I paid the {$610.00} to toyota financials on XXXX/XXXX/XXXX to avoid my credit being ruined. 

On XXXX/XXXX/XXXX, toyota financials reported my account as 30 days past due to the credit bureaus which resulted in a XXXX point drop to my credit scores. Please see attached files. 

I am appealing to the XXXX XXXX XXXX to look into this matter to see if anything can be done to help resolve this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

XXXX sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

XXXX is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like XXXX to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXX I was approved for a Synchrony credit card through XXXX. On Sunday, XX/XX/XXXX, I went to XXXX to purchase a desk chair and was told that I could no longer use the Synchrony credit card that I would have to reapply to their current vendor. I was terribly shocked that after only five months that I have an increased credit line that is null and void. It was suggested by XXXX customer service that I apply for another credit card with their current vendor ; however, this would not be in my best interest in that I have more than enough credit cards at this time. 
I called Synchrony Financial, and unfortunately, it appears that I am in possession of a credit card with a substantial line of credit that I can not use. This is unfair to me as a consumer, who dealing in good faith with XXXX, am in possession of a useless credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.

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 2017-03-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I intend to transfer some balance that I have with Synchrony financial, but their website does n't show the account number that I need to transfer the balance I have with them, I want to do a balance transfer to this other card with much, much better rates. Their rates are very, very high by the way. Regardless, the issue is that I ca n't get my account number over the phone because the numbers are omitted from the E statement. Perhaps is that they do n't want you to transfer the balances from their cards that hold outrageous interest rates. Their response is that they are not authorized to release the account numbers over the phone, not even to the owner of the account. My account is in good standing and i 've been paying it for years without skipping a beat. I bring this to you all attention because it seems that they want you to be captive by them and their outrageous interest rates. I feel they are taking advantage by making it very difficult to do any kind of balance transfers. Please investigate this crooks. 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 2016-04-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Barclays placed an unathorized rebill on my account. They may have spoken with someone at my home, but did not speak with me. I did not authorize a rebill. I have no idea why a rebill was exectured. I called to dispute this charge. I 've reported this charge as fraudulent. They resolutely refuse to refund the amount or to investigate the rebill as fraud. They refuse to process it as a dispute or to conduct a fraud investigation. They also have hung up on me during calls and refused to explain this process 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 2015-06-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Since Synchrony Bank took over XXXX XXXX XXXX account, Their policy is use credit card in XXXX is 14 days limited In past under XXXX, I have been gone XXXX for more than 14 days my trip is XXXX XXXX to XXXX XXXX which is 21 days I checked there is no government policy on limited days in XXXX only Synchrony Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Financial has locked me out of the account for almost 11 months. I try to access to pay the bill and the system will not recgonize my Correct information. Unable to access to pay the bill they have slapped me with horrendous finance charges. Ive call many times to no avail, files a dispute stating I can not access to pay with no result. Contacted their collection service and tried to explain with no result. No one seems to get the fact that I wanted to pay, I was several months ahead of the no intrest schedule when this happened. I have both audio and video recordings that prove their system is locking me out. No one will acknowledge this fact. I have hired an attorney to try to help me resolve at XXXX per hour.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Case # XXXX I received a letter from Barclaycard and they will not honor our request for the account to be charge off and confirmed that we have enrolled for the Hardship Payment program of {$18.00} for 12 months that started on XXXX XXXX, 2015. I still did not get an answer of why we are being charge {$35.00} month for payment due plus {$18.00} taken out totaling {$54.00} due on top of that which increases our balance and also once the account is charged off I will still honor my commitment to pay but this way it puts an end to the interest that is increasing monthly and the balance never seems to be lower.

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 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I took out a credit card through synchrony credit company for my XXXX back in 2012. I 've been making my payments around the XXXX of every month through my checking account bill pay program. I never paid much attention until I recently noticed my balance did n't seem to be shrinking. I have never received any statements from the company, so I logged in to their website for the first time two months or so ago and found that on a no interest charge I was being charged interest and all kinds of late fees even when it was paid on the day it was due. I called Sychrony and they refunded a year or so of these charges. So I naturally asked what about the other 3 years that I had been paying on this account, and I was informed that they were not capable of looking that far back and that the statements needed to be mailed out. So I waited patiently for them and they never arrived. Low and behold I start receiving phone calls stating that my {$93.00} payment is now {$230.00}. I called them and informed them that I will not be making any payments until I receive the statements they were supposed to send me. I spoke with a manager that informed me that they have no telephone number for the department that ships out their statements. I found this utterly ridiculous!!! I informed said manager that until I see those statements to see how much I was charged on my no interest credit line I will not make a payment. I 'm having an issue with the fact that the minute I complained about this practice of charging me interest was illegal that they took off almost {$400.00} just for the one year in interest and late fees. I do n't know who else to file a complaint with because I ca n't get anywhere with this company. They admitted they were wrong and refunded me more than {$400.00} for one year. I only owe {$680.00} of remaining balance. I 'm sure I 've paid in more than that in interest and whatever else over the course of those other years. Any help would be greatly appreciated

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: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: NV

Complaint narrative:
Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a BP Visa card previously issued by XXXX and sold to Synchrony. I did not receive a final bill from XXXX, but when I received my first bill from Synchrony, I was told I was delinquent for failing to pay my last bill. While the interest charges are minimal XXXX {$4.00} XXXX, I have never missed a credit card payment before and would not have missed this one had XXXX & Synchrony taken better action to transition the account. Further, I am concerned about a negative mark on my credit report. From speaking with a representative at Synchrony, I am informed that my bill was posted online by XXXX XXXX paperless billing ) on XXXX XXXX, but that the account was removed by XXXX XXXX. At that point, I had no way of knowing how to make my final payment. Further, I do not recall seeing this final bill from XXXX online. 
If this practice was widespread, then the interest charges from other consumers could add up to a more substantial amount.

Company response to consumer: Closed with monetary relief