vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We bought a sofa and chair with their protection policy XX/XX/XXXX at JC Penneys and put it on my Penney 's credit card since it was three years interest free. We then order a recliner from them to match XX/XX/XXXX and was told it was one year interest free. I was concerned and the saleslady said they applied your payment to the first promotional balance first. This summer we noticed that our bill, which I had been making online payments to get rid of was almost right back where it began. I called and they explained that the chair had acrued interest because it was n't paid off by XX/XX/XXXX. We called and messaged JC Penneys trying to resolve the issue and then noticed even when we were making monthly payments they were charging late fees. For example, I paid two payments for XX/XX/XXXX to avoid any fees, etc. I noticed that we received a late fee and interest today. I called and the lady explained that I paid too soon but saw I made two payments for more than the minimun so she reversed both the interest and late fee. I then told her I noticed that this issue on past bills. She was going to open a case to see if they could look into the promotional balance issue. I have been going around and around with J C Penneys. So our furniture will now cost us more than double. Can you tell us if there is anything we can do to resolve this? Any help would be appreciated. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the 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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank added a {$19.00} monthly card protection fee to my account. I was not made aware of this by 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 monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Inquiry issue called XXXX they refused to remove

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 2017-03-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am very mad due to me application for the PayPal mastercard with synchrony bank being declined due to not verifying identity when I did verify my identity SUCCESFULLY ( exact word of the customer service rep doing the verification ) With them the day I applied and now I receive a letter in the mail saying I was declined for not being able to verify identity. 

When I call now I am getting different answers and no one has any clue what I 'm talking about I have already taken a hard credit inquiry for the application and should have been approved but because they ca n't figure out how to verify my identity and have very many untrained customer service agents that will not assist. 

I have tried speaking to manager and am being told that someone messed up on the verification process but they ca n't fix there mistake so I 'm the one that has to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re : PayPal Smart Connect failed Purchase dated XXXX/XXXX/15 for a XXXX XXXX XXXX XXXX Tablet for {$980.00}, Item ID # : XXXX paid with PayPal Smart Connect for promo payments with no interest charge earning up to {$68.00} rewards. Thus, I never use my credit cards and credit for payment plans that require I pay interest. Up until this time, the only reason I used Smart Connect Credit was for promo payments, since, I have over a dozen credit cards that pay me up to 7 % rewards. Therefore, I was supposed to make payments with this purchase with no interest charge ; however, the purchase failed. 
I was going to return my tablet But then I agreed to keep the tablet if I would be put on a payment plan with no interest charge. 
I then discussed it on a XXXX way call with PayPal and Synchrony bank this year in XXXX, that I would get the interest charge reversed. PayPal and Synchrony Bank Agreed ; otherwise, I would have returned my tablet. However, Synchrony Bank backed down from their promise and started charging interest charge. Synchrony Bank did reverse a few charges but not all of them. 
Therefore, last month I paid off my table, totaling {$980.00} without the interest charge that was supposed to have been reversed. I borrowed the money elsewhere ; since, I was and am sick & tired of dealing with PayPal ; XXXX and Synchrony Bank. 
I did tell Synchrony bank I was going to cancel the XXXX I did not ask for and that Synchrony Bank had transferred the interest charges to ; which, it is illegal. 
I am requesting for Synchrony bank do not reverse the statement balance of {$59.00} ; which comprises of interest charges.. 
So please, help me communicate with Synchrony bank for the last time to take my complaint seriously. I do not appreciate wasting 7 months with this issue. XXXX, inactive XXXX 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 2016-12-08 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: DC

Complaint narrative:
I was shopping inside a mall and my wallet was stolen out of my purse. Everything was inside my social security card and my non drivers license. Now that I am looking at my credit report I see this on here and I 'm confused because I 've never applied for this credit line. I want to figure out a way to dispute this charge.

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 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am 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 monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Siggi LLC
State: CA

Complaint narrative:
omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.

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 2015-07-09 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: TX

Complaint narrative:
Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report.

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 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/XXXX I had to get some dental work done and I got a care credit card loan amount was {$2500.00} I spent XXXX in XXXX. I had a 18 month time frame to pay it off I paid it off in my date month which was XX/XX/XXXX in care Credit statements is says that they will not charge interest if loan is paid in full in time. Well they 're trying to charge me interest and then they sold it to XXXX XXXX and I will not return my phone calls or send me anything do n't even contact me but the loan was paid in full in a 18 month timeframe I do not owe them anything and I have ALL the RECEIPTS to prove that I paid off over {$2500.00}, the exact number is. XXXX dollars was paid to XXXX BY ME. THEY 'RE CROOKS AND THEIVES ... ..SCAM ARTIST 'S. I HAVE TRIED TO SEND MY PICTURE OF MY RECEIPTS 6 DIFFERENT TIMES AND IT KICKS ME OFF .... PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have been a SAMS CLUB member over 10 years, and I just find out they sold a unpaid bill under my name to a collection angency and placed on my credit report totally out of my knowlege. This unpaid bill is for a creadit card that I have never ever received, neither a actual creadit card nor a single paper statement! Therefore I called SAMS CLUB, XXXX of their representative told me the account was closed, he can not give me any information but only a number for the Debt collector. This is insane and not a proper way to treat a royal customer. On my credit report, it shows there is just XXXX original charge of {$170.00}, and fees add to it every month, the amount had increased to {$320.00}.

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 non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have XXXX credit cards XXXX was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to XXXX dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 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:
They continue to call 20 or more times a day from XXXX different numbers. XXXX XXXX this is not the credit card company TJMAXX, there is no debt that is deliquent, but they continue to call non stop. Calls are from TJX rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.

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 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I am a victim of identity theft I have notified the Credit bureaus about this account being fraudulent I also sent a letter to National Service Bureau Inc to the address that the credit bureau had for them. They never noticed me about this fraudulent debt and just put it on my credit report. when i wrote them a letter it came back to me because the address they provided to the credit bureaus is wrong. They are knowingly and willingly reporting fraudulent information and have caused my credit score to drop.

Company response to consumer: Closed with explanation