vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have had a credit card with JC Penney 's for over a year, and while it was great at first, my account was recently taken over by Synchrony Bank. Since then, I have noticed that several times when I pay my bill online, Synchrony will wait more than 72 hours to withdraw funds from my bank account. Because of their delay and the fact that I am a college student who lives more or less paycheck-to-paycheck, there have been a few times that I had the money when I authorized Synchrony Bank to take my payment but they waited so long that by the time they withdrew my money, the money was no longer there because I have had to buy groceries or pay another bill that was due between my JC Penney 's bill due date and the time Synchrony takes out the money. This results in my account not having sufficient funds, and when Synchrony tries to take the money after 72 hours or longer they can not withdraw it, and they end up slapping a {$30.00} fee on my credit card bill, along with increasing my minimum payment ; because of their behaviour, my minimum payments have gone from about {$30.00} a month to a current minimum of {$82.00} dollars. When I called customer service to discuss this with Synchrony, they did nothing to resolve the problem and simply demanded that I pay the {$82.00} by XX/XX/XXXX. I pointed out that when I use pay my other credit cards, the payments are withdrawn in less than 72 hours, and when I asked the customer service associate, someone named XXXX, about this oddity he provided no explanation other than to defend his employer. He then dismissed my call, saying that I needed to call another number. When I asked if this was customer service, he said that it was n't, even though the automated phone system directed me to him after I chose to speak with customer service. 

Now Synchrony has closed my account and is demanding that I continue making payments on the amount I still owe. Effectively, they have bad business practices and are punishing me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was contacted today by " XXXX '' from XXXX XXXX XXXX. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an Old Navy credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

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 2015-07-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
At XXXX on the XXXX of XXXX, 2015, I received a call from a collector from Barclays Bank representing Barclaycard . The phone number that they call from was ( XXXX ) XXXX. I told the lady she was calling before XXXX eastern standard time, she hung up. I called back and the man I.D number XXXX claim that the lady that called me was I.D XXXX, and they were located in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I purchased XXXX wood shutters from XXXX they were ordered and billed on the credit card a fee of XXXX, the ordered was cancelled by JC penny because it had been over 6 months since the XXXX guy had measured. He came out again and measured and we ordered XXXX blinds for {$950.00}. This should be the only charge. XXXX refuses to remove the XXXX even though we have called and had the lady who sold us the blinds on the phone with us. They SAY it 's removed but I just got a new bill today and it is still on there with a XXXX late fee charge. I 'm hoping you can help get XXXX removed from my card as well as the late fee.

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 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Conn's, Inc.
State: TX

Complaint narrative:
I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Wal-Mart XXXX credit card back in XXXX. I purchased an item last XXXX XXXX with my Wal-Mart XXXX card ; I ended up returning item for a refund a year later XXXX XXXX XXXX ) from the hardware store. In Spring XXXX, Synchrony Bank announces via mail to all cardholders they will drop XXXX in exchange to form with new merchant, XXXX. The hardware store, Lowe 's, returned amount back to the XXXX card with the old account number, still under the same bank, Synchrony. 2 weeks later, a representative from Synchrony Bank said that they received an overpayment of an accredited amount to my name in the form of {$260.00}. She stated that in order to obtain back that money, I would have to go to Lowe 's for the refund. Upon discussing for refund, Lowe 's in-store customer service rep stated their refund policy recompenses are sent back to cards and stated that they no longer have that money and then said to re-check with credit card vendor. I then called Synchrony Bank customer services, after XXXX attempts to retrieve XXXX Card information regarding where this money supposedly refunded disappeared to, they finally said that they could not help me anymore. Synchrony Bank claims that since they are no longer with XXXX, they no longer have any responsibility on the whereabouts to where this money got funneled to. Not given an explanation or attendant to whom I could speak to help me find a contact to tracking down a solution, it 's hard not to feel helpless in this situation. Since XXXX is the only channel to get this refund back, I hold them fully responsible for not taking any capable action to at least assisting me to get this money back. I have no other alternatives, just a concerned customer having an issue with a card I make timely monthly payments to. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.

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 2015-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Friday, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX : Synchrony Financial, CARECREDIT/SYCHRONY BANK XXXX XXXX XXXX, FL XXXX : CARECREDIT/SYNCHRONY, Cardholder Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Total Interest Charged in 2015 : {$840.00}, Statement Closing Date XXXX XXXX, XXXX XXXX, hereby file a Bill Dispute. I am overtaken, to be aghast and outraged, that the Interest Charges are extremely excessive. Never have I been aware, or agreed to, the extent of Interest Charges imposed by the expiration of a Promotion Period. I am not aware that the expiration of a promotion imposed interest fees. I was first introduced to CARE CREDIT by my Dentist, XXXX XXXX XXXX. The conditions provided identified that payments made by the due date circumvented late fees and interest charges throughout the life of the loan. I am surprised that repercussions of an expired promotion were not clarified. Legally, this victimizes XXXX living on fixed income. At this magnitude, I may need to seek legal counsel for debt settlement. I am not willing, nor shall I discuss debt consolidation. Additionally, it behooves me to report this to the Federal Trade Commission, XXXX, and Consumer Advocates, for a potential class action suit legal settlement, due to conditions of excessive finance interest charges. Cardholder was informed that during the life time of loan, the only requirement was to meet monthly minimum due to defer interest and fees. Cardholder is misled. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX : ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
About JC Penny Credit Card. I found XXXX of {$2.00} minimum interest charges in XXXX/XXXX/15 and XXXX/XXXX/15 statements. I called JC Penny Credit Card around XXXX/XXXX/15 to ask why and they explained they were on the purchase I made on {$5.00} on XXXX/XXXX/15, which went to the remaining " promotional '' rate of balance and therefore those charges were made. 
First, no explanation until the call that that amount went to that kind of balance. 
XXXX, the lady on the phone waived those XXXX {$2.00} charges ( total of {$4.00} ) and I confirmed online that those charges had been refunded a few days after the call. BUT mysteriously, XXXX of the refunds had been disappeared when I checked online today. 
Third, assuming only {$2.00} were refunded, the latest balance that not reflect the refund. 
Fourth, the refund was made on XXXX/XXXX/15 and another {$2.00} minimum interest charge was made on XXXX/XXXX/15. I can see those on " Recent Activity '' page of their website, but again mysteriously, those transactions are not in the statement on XXXX/XXXX/15. 
I was just sick and tired of this never ending charges and just paid the remaining balance full today ( XXXX/XXXX/15 ), but I want those {$2.00} x 3 times = {$6.00} back or at least {$2.00} x 2 times = {$4.00} back as was agreed and done on XXXX/XXXX/15 phone conversation with JC Penney Credit Card Support lady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The CARD Act requires that my credit card due date has to be at least 21 days from the day the statement is sent. So, that 's 21 days plus 30 days before any late payments are reported to the credit bureaus ... or 51 days. My account with Care Credit / Synchrony Bank was not 51 day past due. Nonetheless it ( my account ) is inaccurately being reported to multiple credit bureaus as a late payment.

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 2017-02-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. 
I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX established a relationship with GE Capital for what is called " PayPal Smart Connect Debit Card '' ( MasterCard ). I was given a {$300.00} credit limit. The relationship was transferred XXXX to Synchrony Bank XX/XX/XXXX. Hence, the new company has instituted policies that undermine the original relationship with GE Capital. 
My complaint is that Synchrony Bank without written notice XX/XX/XXXX changed my credit ceiling limit down to the exact amount of the unpaid balance of {$130.00}. I use the card for Business & Personal expenses and it is tied to my Social Security number as a Tax ID. Thus, they used my credit report to make the decision. As a result, I closed the account and forfeited my privilege of credit towards my XXXX purchasing. I feel the decision was unfair because I had no payment delinquencies. Now Synchrony Bank is still demanding the minimum {$25.00} monthly payment on a CLOSED ACCOUNT. I intend to pay off the balance, but do not feel there should be a penalty ( late fee ) or demand of {$25.00} since the account can not be used and this is just to payoff a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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:
I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
my account was closed and no notification was given. When I called to find out why my account was closed I was not given a reason. I was just told that the issuer had closed the account when the card expired.

Company response to consumer: Closed with non-monetary relief