vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
received XXXX calls within 2 hours on XX/XX/2016,4 calls on XX/XX/2016 where I talked to a rep that insisted I make payment even after I explained to him in detail 3 times that no funds are available until after XX/XX/2016 and to please stop blowing up my phone. 
so I received XXXX calls on XX/XX/2016, XXXX calls XX/XX/2016, XXXX calls on XX/XX/2016 and XXXX calls with a real voicemail so far on XX/XX/2016. other calls also had voicemail but only *dead air*. 
clearly the company is either not keeping records of their customer contacts or they just do n't care about FDCPA. 
the company is a bank dealing with medical care credit- synchrony 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 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST

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 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I filed a medical bankruptcy after talking to XXXX different XXXX and was advised by them all that a bankruptcy was my only option. First of all my attorney failed to notify me that I had a lean put on my home. Then when I sold my home I ended up paying a settlement that I have documents that show the debt was discharged in bankruptcy. My lawyer, XXXX XXXX XXXX Colorado, is claiming it was my responsibility to know that I had a lean. I was told by them, after they had taken my money, not to worry about anything they would take care of it all so how was I suppose to know. The lawyer in my closing said that Credit Systems XXXX Colorado is collecting on a dept that was discharged in the bankruptcy and therefore illegal because there is no debt to collect. I could n't wait the 6-8 weeks to reopen the case and get a judge to drop the judgment so I had to pay the amount. Called XXXX parties and getting the run around from them XXXX. Want to know if there is any recourse in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2015 some one change address of my Synchrony credit card with out notify me. XX/XX/2015 someone use my credit card from synchrony bank {$900.00} ten times in one days at Wall mart in XXXX XXXX, on XX/XX/XXXX. that person pay the credit card {$9700.00} with fake check and in the same time Synchrony bank let that person buy {$900.00} more at Wall mart at XXXX XXXX before the check clear. I found out when I use the card on XX/XX/XXXX access denied. I called Synchrony bank and found there fraud activity going with my account. Synchrony bank start send email change address which I received on XX/XX/XXXX and after the fraud activity happen.. 
Synchrony bank closed my old account and move {$9900.00} + interest to my new account. 
When ever I call they always said under investigation and they accrue the interest. 
I report to [ police in XXXX XXXX, they said they can not do anything because the fraud activity happen in XXXX XXXX but the police give me the case number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.

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 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Siggi LLC
State: GA

Complaint narrative:
When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had signed and agreed to 0 % interest for 5 years for a medical procedure that was not covered by insurance. I set a direct payment from my checking account to CareCredit and therefore was not late with any payments. Two years later, I received a statement that was over and above the balance. I called and spoke to XXXX and was told that interest had now been added. I explained that my agreement was for 5 years, interest free. I then told him that I would pay the remainder of the balance of {$11000.00} in full plus XXXX and XXXX payments but that I would not pay any interest on the balance. XXXX tried to to waive the interest but the system would not let him. He told me to contact customer complaint in 3-4 days. I did and received a new reference. The issue has not been resolved and collection companies continue to harass me via emails, USPS and phone calls to pay the interest with a new amount of {$3300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a credit card with XXXX gas. I paid it off in full in 2013 and a XXXX and a XXXX i received a letter from XXXX ( a collection agency for Synchrony Bank ) saying that I owe them {$250.00} and they reported me to the XXXX major credit agencies. Always pay my bills. I have a XXXX FICO score and I do n't want anything to ruin it. I paid the money ( in protest ) but I notified Synctrony Bank ( in writing ) that i was never notified about owning anything on this XXXX credit card but they refuse to remove the negative statement from my credit report. These guy 's are crooks both Synchrony and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.

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 2016-04-21 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:
This debt is Passed the statue of limitations. However, They have continued to report is as " closed derogatory ''. This should be off of my credit report since its over 7 years old.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to a dentist for a full mouth rehabilitation case. The total cost for my case was over {$50000.00}. It is usual that half is paid when the dentist prepares the crowns and half, upon delivery. I paid the dentist over {$27000.00} with my CARECREDIT card account by SYNCHRONY Bank, which is used for medical and dental purchases. The dentist never completed or delivered the promised services and goods per our agreement, in over a year. I then filed a dispute with CARECREDIT for " NON-RECEIPT OF SERVICES AND GOODS '' and " NON-DELIVERY OF SERVICES AND GOODS, AS AGREED '', which are two examples of billing errors that must be enforced by Creditors, under THE FAIR CREDIT BILLING ACT. They contacted the Provider, who pretended the work was still ongoing, although I had not heard from him in two months. I sent undeniable proof of the BREACH OF CONTRACT to CARECREDIT. I had been trying to reach the dentist without success and sent him two certified letters that had been left unanswered. I was still in " Provisionals '', so it was evident I had not received the final crowns. Then SYNCHONY BANK wrote to me that because they had credited me a different sum for another dispute, with another dentist, four years earlier in 2011, they could not credit me or reimburse me for this dispute. They of course, conveniently left the name of the other dentist from their response letter. I contacted them to say that the old dispute with the other dentist, had nothing to do with this new dispute with my current dentist ; they never responded to me and then released the disputed amounts in the Provider 's favor. It was evident that no matter how well documented my claims against my dentist were and how obvious his unethical and abusive business practices were towards me, SYNCHRONY BANK was going to side with him, the Provider, instead of protecting my rights as a Consumer ; ( because it was easier and less expensive for them, to do so ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was trying to file my 2016 taxes through XXXX and when I attempted to register for that, I could n't because they could n't match my information with the credit bureau. I checked my information that I submitted and I was correct and somehow it was n't matching up. I think this is because I do not have any credit history. Anyway, I then went to the credit bureau that they use ( TransUnion ) and tried to get it sorted out. I registered an account and in the process they asked something about monitoring and it did n't explicitly say that it cost anything and at that page there was no fine print to read about it so I went ahead with it. I went back to XXXX to see if maybe something had changed since I made an account with TransUnion and nothing happened. Eventually I used an alternative tax filing software. In the process of filing my taxes, however, I went to my online bank statement and noticed a hold from TransUnion and wondered why. Then I realized what it was when I remembered that they had asked for a payment and I gave my payment information ( debit ). I still cant access my credit information and they have taken my money. Now I want to cancel whatever I signed up for through their cancellation feature but in order to do that I need to have my credit information match their credit information and it still wont do that. Its a catch 22 and I have no clue what to do other than call them and cancel. They are making it very difficult to cancel what I unknowingly signed up for. Thanks for reading this and have a nice day.

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 2015-09-22 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: AR

Complaint narrative:
I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Summit AmeriFirst Holdings, Inc.
State: MI

Complaint narrative:
Amerifirst finance bought out the loan we used to pay for our windows -the repetitious phone call start the day the payment is due at XXXX until XXXX. Sometimes when I get home, there has been up to 25 calls in one day. I 've been told they can foreclose on our house. This was said for a loan payment that was 13 days late. They also call my husband 's cell phone in-between the calls made to our house. We bought the widows over 10 years ago and most have been broken since the first year but directly after buying them, the company went bankrupt.

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 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. 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 non-monetary relief