vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The eye glass company was told to not complete my order, but they did anyway, and are now trying to collect even though we never received the glasses. Now the loan company the store does business with is contacting me all of the time and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on XXXX/XXXX/16 I have a XXXX so why did they chg a ate fee of XXXX on XXXX/XXXX/16, and still have a pending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices. 


" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate. 
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''

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 2015-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Check out XXXXfor detailed descriptions on how GE Bank Capital loans is ripping of people with a loan scam. 
A " loan officer '' called me from an unknown line about every XXXX minutes throughout the day for XXXX days. when he realized I was not going to answer he called and left his name and phone number ( XXXX XXXX, XXXX XXXX So I called it. An Irritated person answered and he plainly said take out a XXXX loan for {$5000.00} and give us our money or I would regret it. I said that I do n't need a loan and hung up. He had a XXXX accent, and has not called since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I had accounts with XXXX ( when it was XXXX XXXX XXXX ), and XXXX XXXX Store Card which is current but I expect it will be closed the moment I pay it off. These were all managed under XXXX Credit until Synchrony Bank took over. All of the accounts managed under Synchrony Bank I have gone through the same treatment. You get approved, they either raise or lower your limit and then close the account without any prior notice. They are checking the customers credit reports every month without the customers knowledge which makes their credit score go down, Synchrony lowers the customers credit limit which makes the customers credit score go down, then they close the customers account which makes the credit score go down also. I really wish I would have done an online search for complaints regarding this bank because there are many that have experienced the same thing. I had XXXX returned payment on the XXXX card and they closed my account without notifying me. I missed a payment, but did pay the late fee, got caught up on my XXXX account and they closed it without notifying me. I never missed a payment with XXXX, they lowered my limit then closed the account without any notification. They have already lowered the limit on my XXXX Store Card and I am close to paying that off so I left to believe that they will also close my account once it is paid off as well. I do not understand how the way they operate is even legal, they close your account yet still charge you high interest rates each month along with fees as if the account is still active. I continue to make the payments on the Synchrony accounts that are not paid off each month, but it is a great burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The bill collectors in charge of collecting my XXXX XXXX XXXX now carried by XXXX XXXX called me every single day, often times multiple times per day- in XX/XX/XXXX-through approx. XX/XX/XXXX. I had no idea that time was illegal until now. I can order statements from my cell phone company to confirm this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received notice from a law firm that a collection agency was demanding money from me from a credit card. I asked over phone and in writing for verification of debt. The law firm did not reply and started an action against me in court without serving me I found it accidentally when looking for something else on XXXX website, so I went down to court to contest and have a hearing on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2016-01-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Bought a lawnmower from Lowe 's zero interest for 6 months, received first bill and noticed it was to be sent to Lowe's/Synchrony bank in XXXX, FL so sent payment right away received second bill and sent it right away did not receive third bill and did not notice until I received a bill the next month and a {$25.00} service charge had been added did not receive a bill the next month which was XXXX but did get call XXXX XXXX from Synchrony ( a foreign person who was very hard for me to understand ) saying I was in arrears again and would be assessed another {$25.00} if I did not pay by credit card or at the local store that day or the next so told her I would. I did pay at the local Lowe 's the complete loan as can not afford to pay a {$25.00} service fee each month. Then I went online especially XXXX and found XXXX ratings on there with a XXXX star rating and most with same problem I have had with them. I think this company ( Synchrony ) of XXXX, FL needs to be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I entered into a lease with Mercedes Benz on XXXX/XXXX/15. The lease was for a 2015 XXXX. Within three months, the vehicle 's radio stopped functioning and required replacing. Seven months thereafter, the navigation stopped functioning and requires replacing. Within that same month, the engine requires rebuilding after taking the vehicle in for noise coming from the front of the vehicle and shaking. Prior to a year into the lease, all of the above occurred and I was out of my vehicle and in a loaner more than I was in my vehicle. At that point, I asked the claims management department to take me out of this faulty vehicle and place me into a different vehicle, as a means of good faith. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay Card closed my credit card accounts. I was NEVER late on even one payment. I NEVER defaulted on any amount owed with them ; I have paid them every cent that was owed and did it on-time or before it was due. For whatever reason, which they never gave me, they decided to close the accounts and take from me the rewards that were rightfully mine as they were earned under proper circumstances. Again, I was never late on a payment or missed one either. I 'm asking CFPB to help me get my rewards back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Thank you for being there. I called this afternoon o XXXX/XXXX/2016 about a problem I 'm having with a credit card. I called them on XXXX XXXX to make sure I had the correct amount I owed since I had a fraud issue on my accounts so bad that they wiped out both of my windows with all my info. My one computer is still being worked on. I called the credit card company twice to be sure the amount was correct so I could pay them in full have them send me a new card and start over fresh. I was told twice the same amount and paid it and got a conf. # that I was paid in full. Then I received a e-mail stating The amount was different and was told 3 different totals. I had transferred a card over to this on even the fraud case was still open Then the other credit card found in my favor and the info was sent to this card I 'm writing to you about. They told me I owed them for the XXXX article that I was found innocent of. I called the company that had the fraud in the beginning and they confirmed that that had paid it and I owed them nothing nor the card I 'm in dispute with. They are going to send me the info. to prove my case once again and she said it would take 10 to 12 days. I 'm sending that info to you so you can please stop all this. They have had me in tears. XXXX. Although most of the time I 'm at the XXXX. To me this is pure harassment and I can not deal with it any more and I truly believe they should have to pay me for what they have put me through. It is wrong I have done everything. Had info and proof faxed to them and this was never brought up until I was paying off the bill. Where I even called twice to make sure the amount was correct due to all the fraud. Being honest and this happens I 'm done and would like to see them get fined for the lack of experience they have and the treatment I was given. 
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 2015-09-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I refinanced my XXXX XXXX ( XXXX ) with XXXX and they paid on XXXX XXXX, it off on XXXX XXXX. XXXX sent the monthly bankdraft payment through my my checking account on XXXX XXXX. The {$1200.00} drafted through my account after they were paid off by XXXX XXXX. I talked to several people in the XXXX FINANCIAL ERVICES AND I WAS TOLD IT WOULD TAKE 21 DAYS TO REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Walmart and Sams cards are charging interest on entire balance even if had a balance of XXXX cents. The balance should be computed on the XXXX cents not the entire {$500.00} that is charging excessive interest. They are calculating the interest to make excessive profits I out over {$65.00} with this process. This needs to stop consumers pay too much interest already b

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 2016-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I did hold a credit card account with XXXX issued by Synchrony Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing zero balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since XX/XX/XXXX till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but Synchrony Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.

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 2016-04-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Walmart Credit Card. My balance was near the limit and I have been making the payments consisting for the past two years. Just now I have been attempting to improve my credit score and I made a large payment and now after Walmart Credit has decided to review my account and reduced my credit limit which is now going to hurt my credit score instead of improving. Never mind the fact that I have made every payment on time and now that they see I am attempting to reduce the balance which help my credit rating they decide to take action after I made a substantial monthly payment. I seriously questioned the timing and they can use whatever excuse they want but they are wrong. Now my credit score is going to go down. Consumers need to know how Walmart Credit operates. They do n't base on you being a loyal customer who pays their monthly payments on time they decided to do a credit check after they received my payment on XXXX XXXX. I do n't buy it because they know I am attempting to reduced my balance and I will keep doing it until this account is closed. Done with XXXX company.

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 2017-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased. The item does not work. I want a credit on my account. They will not.

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 2016-08-21 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have an unverified account from SYNCB/SAMS CLUB. I had previously disputed this account. I have never done business with SYNCB/SAMS CLUB pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/SAMS CLUB Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/SAMS CLUB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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