vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a sewing machine for my wife and credit was extended by Synchrony Bank. Payments are due on the XXXX of the month beginning XX/XX/XXXX. Payments have been made between the XXXX and XXXX each month. XX/XX/XXXX, the payment was made on the XXXX because of holiday expenses. A late fee was immediately assessed for {$27.00}. The XX/XX/XXXX payment was made on the XXXX without the late fee. On XX/XX/XXXX, I received a notification from Synchrony bank " Payment Not Receved '' and that additional fees had been assessed. The normal payment is {$180.00}. They demanded immediate payment of {$240.00}. I contacted Synchrony Bank Customer Service on XX/XX/XXXX and explained the situation. I do not believe the late fees are appropriate. The customer service rep state that their policy calls for late fee assessments under the circumstances and they will not amend their policy. I advised him that I would submit the full payment requested prior to the next due date. On XX/XX/XXXX, I received a call from Synchrony Bank Debt Collection demanding immediate payment over the phone or else there would be additional fees and credit collection costs. I explained that I had already contacted their customer service and arranged to pay the total amount by the next Due Date. The caller demanded immediate payment over the phone to avoid subsequent fees. I told her they would received their payment by the next Due Date and not to bother me again. I terminated the call.

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 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank of XXXX Florida created a fraudulent bank account in my name and issued an Amazon credit card that was used to purchase a XXXX laptop computer. I was never contacted about the creation of this bank account or issuing of the credit 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 2017-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased equipment from retailer HH Gregg on XXXX XXXX, XXXX total value {$4000.00}. I paid {$2000.00} cash and the balance of {$2000.00} was financed through Synchrony at 0 % interest. Representations made to us at the time in store were that Synchrony would establish a payment plan at a level such that the entire balance was paid down to {$0.00} before the promotional period expired - thus no interest would ever be charged. We appear to have been deceived as a deferred interest charge of {$1100.00} was applied to our account on XXXX XXXX, XXXX. This only came to light recently as we have not received any hard-copy correspondence, email or calls from Synchrony in over 2 years and so when I noticed an ongoing payment to Synchrony from our bank account we undertook an investigation. 
In my letter of XXXX XXXX, XXXX to Synchrony I enclosed a check for the balance of {$870.00} which was outstanding immediately prior to their application of deferred interest clearly annotated " FULL SETTLEMENT ''. Synchrony deposited this check. 

Please would you kindly investigate. 
Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 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 including : 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 2015-06-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.

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 2017-01-01 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Shortly after Synchrony Bank approved me for a JC Penny Card, with a {$500.00} credit line, and an upgrade to the JC Penny Gold card Synchrony Bank notified me in writing that they have XX/XX/2016 that they have lowered my credit line to {$100.00} Currently as of XX/XX/2016 Synchrony Bank is being sued for these deceptive credit card practices, and in my case Synchrony Bank lured me in using the hook and bait method by even upgrading me to the JC Penny Gold Card still only {$500.00} credit line that got reduced to a {$100.00} credit line because they found my credit score was low. My credit score was not checked before they even issued me the plain JC Penny charge card Synchrony Bank has been doing this practice of issuing JC Penny cards than lowering someone 's credit score, even to their own employees as I was told it was done to a JC Penny employee at the JC Penny XXXX Mall. I would think this is not only deceptive but also illegal. Should I have a case an Attorney sees my complaint please contact me immediately as I would definitely go after a lawsuit against Synchrony Bank because it seems they purposely issue JC Penny charge cards and upgrade the charge cards shortly just to ruin their consumers credit. Synchrony Bank needs to be punished like GE Capital was pay hefty fines so they no longer can exist in business and the Synchrony Bank employees be put in Federal State Prison for XXXX or more years. 
My second desired settlement is to give me the higher numbers back on my credit score. And remove information that does not even apply to me like living in XXXX NJ

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 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC.
State: PA

Complaint narrative:
I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
INQUIRY WAS NOT REMOVED.

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 2016-02-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
A month ago I filed a complaint about false advertising by Synchrony Bank. I received a letter dated XXXX XXXX, XXXX from Synchrony Bank 's representative agreeing to honor their advertisement and not charge interest to my account if it is paid in full in 24 months. Currently, I owe {$170.00} more on the {$1800.00} which I will pay in full next week. However, the bank is trying to collect some of the interest and finance charges they lost after agreeing to waive the interest if the loan is paid off in 24 months. They are doing this by alleging that I owe late charges. I have attached a copy of the loan breakdown which shows how much I am to pay each month, the date payment is due, the date payment was received and how much was paid. If you will note the minimum payment alternates from {$53.00} to {$88.00}. However, if you will note, the months I am required to pay a minimun of {$53.00}, the payment is always XXXX day late and I am charged {$35.00} late fee. The months I am required to pay a minimum of {$88.00} the payment was always received on time. I have called numerous times trying to reach XXXX XXXX XXXX to no avail. I have left messages on her voice mail but she never calls me back. I made a payment of {$100.00} the same week that I received the attached correspondence. Therefore, that payment is not on the document. It shows I have made XXXX payments of {$100.00} each instead of 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 2016-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

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 2016-11-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Received an offer on my XXXXMiles Member account to receive XXXX bonus miles after {$1000.00} purchase if I obtained a XXXX XXXX XXXX. When the card arrived in the mail the paperwork indicated I would only receive XXXX miles. I called customer service, they opened a case and said they did not know of any XXXX miles offer. The following day I received the same offer for XXXX in the mail. I emailed the retention area the copies and have been getting the run around for two weeks. I never activated the card as I had no intention of keeping it if this was a scam. I called today and requested they close the account as I did not wish to pay the annual fee which was billed to me. The paymentioned was due and I was not paying the if I was n't keeping the 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 non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.

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 2015-10-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Looking over my credit report, I noticed there was still an account reporting on there. The account was paid and closed back in XXXX 2006

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Access Receivables of NC Inc.
State: WA

Complaint narrative:
I 've asked for debt verification letters to be sent, and to this day I have NEVER received any letters of debt verification from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
could not get reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.

Company response to consumer: Closed with explanation