vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened account with Care Credit via Synchrony Bank in XXXX, 2015. 
I have never been late or missed a payment. 
Most months I paid more than the minimum. 
In XXXX, before the due date of the XXXX, I made a {$50.00} payment ( minimum said {$26.00} ). 
Synchrony Bank, however assessed interest on my account on XXXX XXXX, & then reported an over limit on my account on XX/XX/XXXX.THIS IS TOTALLY UNACCEPTABLE. 
I should have been given until the next month to reconcile interest charges assessed after the due date. 
I called few times to speak with rep at Synchrony, however, was simply told that they could add interest anytime they wanted, and then report to credit bureaus anytime. 
The credit bureaus notification against my account is listed as a late or missed payment! 
I have the card statements & letter from Synchrony if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I should have a XXXX balance and not sure why I am past due. I have requested a full history and still have not received. Please help this is hurting my credit

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 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was contacting one of my credit card companies to make a payment. They go by XXXX different names ; XXXX, CARCARE ONE and SYNCBI. I was offered this card when I took my car to a mechanic. This was over a year ago. 
I have made all my payments and now would like to pay the rest of the balance off, or at least the majority of it since their interest rate is 29.99 %, after a six month grace period on interest for purchases. 
I called them to make the payment using a much lower rate credit card and they informed me, they allow payments from checking accounts only. I find it hard to believe that this is legal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have XXXX credit cards through Synchrony Bank. I have a Belk and a Walmart Discover Card. I just recently opened up the Belk card, although I have had the Walmart account for over 6 years now. I always pay my bills through my bank 's online Bill Pay. I went to send a payment to Belk, but thought I had the wrong address. I called my bank to have this payment cancelled so I could pay in person at my local Belk and get the correct address to send future payments to. Apparently, I did have the correct address and the payment was received by Belk and then taken away due to my calling my bank to cancel. I did go in store and make a payment and I asked the clerk what I had available on my card to see if I could make a purchase. She said I had available money to charge to the card so I made a purchase, not knowing Belk had received the payment that I cancelled. I got a letter in the mail saying my account ending in XXXX was going to be closed and no reason was stated ( Walmart account ). I called their customer service and nothing was wrong and was told my account was not closed/being closed, so I thought nothing about it. I went to check my Belk account online to see when the next payment was due and saw it said my account was closed. I called them and they accused me of check kiting (? ). To be honest, I do n't even know what that is. They would n't reopen the account and told me to call XXXX. I called them and said that Belk would have to be the one to reopen the account. At this point, I also found out my Walmart account was closed due to my Belk account being flagged as fraud. They were very rude when I called, and would do nothing to help me even after I told my story. I 've had the Walmart account for so long and both being closed will hurt my credit. I have always made my payments on time each month and usually more than what the minimum amount of payment is. I would like both to be opened back up so I can continue to pay these off and in the future keep using 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 2016-08-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit report has an error. XXXX XXXX reports that my account with XXXX was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information 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 2015-04-29 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: CA

Complaint narrative:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.

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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On XX/XX/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at XXXX. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but XXXX returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. 
I checked the XXXX on and internet search and found it associated with this company : XXXX . 
XXXX XXXX XXXX XXXX, PA XXXX On the phone call they called themselves Synchrony Bank. I provided the last 4 digits of my Mom 's social security number thinking I was talking to a bank.

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 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I got a call regarding {$150.00} debt from XXXX for terminating the contract. They have incorrect address and incorrect contract dates. I had completed 2 years of the initial contract, after which it goes in to month-by-month contract. I terminated after nearly 2 years and 4 months. However Debt Collection Company claims there is a termination fee because it automatically renews the contract. I do not believe that is correct as per initial contract, I asked them to send me a copy of Contract that I signed so that I can verify. Neither Debt Collector or XXXX has this. I explained this once but I got another call to collect full amount ignoring previous discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: Siggi LLC
State: MD

Complaint narrative:
I just received a text message from my mother about Omni Financial contacting her about my debt. She wrote in a text messgae with their phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a 24 month CD on-line. On my XXXX statement I noticed a deduction of {$38.00} for " Backup Withholding ''. I called the customer service number and after being on hold for XXXX minutes I was told that " backup withholding '' was deducted from an account when the social security number was n't available. They verified that mine was available, had always been available and that it was an error. They gave me a case # ( XXXX ) and said I would be contacted in XXXX hours. That was 10 days ago. I received an email telling me there was a message for me in the customer message center. The customer message center has n't worked in over a week. No one on the phone cal tell me what the message is or the status of my problem. No email, no live chat, a message center that does n't work and a calling center that just does n't care adds up to horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am currently in a debt consolation program and this company has repeatedly called my home over ten times daily. There should be a limited amount of calls a collector is allowed to call anyone daily.

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 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

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 2016-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I disputed a charge on my account in XXXX 2016. As to date I have not heard from the credit card company. I called in with a lost or stolen card report. I was issued a new card and account number. When I received my next statement there was an unauthorized charged on my account.

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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account information.

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 2016-12-24 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:
The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I applied for a Credit Card with Barclays Financial Institution and was promised a Balance Transfer within 7 to 10 business day. Barclays did not complete the balance transfer and I made the payment. I called Barclays to request that they cancel the transaction because it would be more paid on the account then owed. They refused to cancel the transaction since it was in process. The Manager XXXX explained it was out of his control to cancel. The department manager XXXX XXXX will be informed but is not able to make any changes.

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 2016-12-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.

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 2016-05-16 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
closed my High Yield Savings account with SYNCHRONY BANK on XXXX XXXX, XXXX as of today, XXXX XXXX, I have not received my money. Called the bank several times and apparently the check was sent out on XXXX XXXX. I received a confirmation letter stating the account closed.

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 2015-06-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I applied for a Sams Club Master Card when I became a member. I was excepted and given a temp. card, and told I 'd receive a regular card in the mail 7-14 days. After waiting 23 days I called. It was prob about XXXX min before I was able to talk to someone instead of the computer. I explained I never received my card and they tell me it was sent out over XXXX wks ago. I told them to cancel it and send me a new XXXX cause I never received it. Everything seemed good ... ..I was wrong. This time I waited 15 days and nothing, so I called again. I asked if they sent my " XXXX '' card yet. ( After of course having to talk to the computer for XXXX min or more ). I was told that they had updated my address and a card was sent out a month ago. ( which would of been the XXXX card ). I explained that there was to be a XXXX ( new ) card sent because my first XXXX I never received and it was to be cancelled. I was then informed that they had not cancelled that first card and a XXXX was never sent. By this time I was so frustrated and worried now that the credit card that I was told " was '' cancelled was NOT and it 's out there somewhere! No wonder there is so much identity and credit fraud. Finally I told them to forget the whole thing and send me conf. that any credit card with them is cancelled. They have very poor customer service. When you call you have to talk to a computer for XXXX minutes and IF your lucky enough the computer does n't hang up on you it will then give you to a person. And now you have to start over with you problem / complaint. Beware of this credit card company!! Who wants a credit card company that you have to speak to a computer for several minutes answering question after question before getting a human to speak with ... .. NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: OK

Complaint narrative:
repetitious phone calls intended to annoy or abuse

Company response to consumer: Closed with non-monetary relief