vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I make a payment every month of about {$200.00}. I have n't put charges on this card for about 2 years. But every month i owe more than the month before. I am wasting my money trying to pay this card because of all there fees and charges that I am not even sure what they are for. 
I am a month behind so I get about 5 calls a day they are recordings telling you to hit one for a representative. The recording does n't state who it is from. When you try to talk to them their English is bad and wo n't explain fees. I just do n't answer the phone if it is their number.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, XXXX 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 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Walmart Credit Card through Synchrony Bank on XXXX/XXXX/16. I was approved for {$800.00} and was told my card woul arrive in 7 - 10 days and that if I wanted to make a purchase that I could do so as I was being given a temporary card and that that card would be valid for 7 days. I had no access to the numbers, however I assumed ( wrongly ) that the information would transfer to my Walmart account and I could make a purchase. Also I was being offered a 10 % credit for a purchase up to {$250.00} if made that day. 
The information never showed up. I tried everything but all the numbers for Walmart customer service were closed for the day, and Synchrony has no customer service available on Weekends. So I called Walmart over 7 times on XXXX/XXXX/16 to try and resolve the issue. the supposed credit card division would not apply the temporary card info to my account or even try to resolve the problem. There response was I would have to wait to receive the card. after much yelling and swearing I cancelled the card and am in the process of cancelling my account with Walmart. 
After this I went online to read reviews and what a disaster Synchrony is to it 's customers, I would say 85 % of the complaints are from people who had bigger problems than mine that cost them money, time, and serious mental anguish. In cancelling my card I have a feeling I will never be able to try and open another card at Walmart. It is like you are blacklisted from ever opening an account. EVER. 
If I new that there wsa some legal recourse I would do that, hoever since I lost no money or credit of any type this would not be a winning case. But maybe the CFPB can request all the phone records for the XXXX of XXXX and find out if they are violating the law, and then nai lthem to the wall. I really wanted that card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been contacted by XXXX firms that claim I owe XXXX ( formerly GE Capital ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other GE loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in XXXX installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by XXXX, XXXX XXXX and XXXX. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive XXXX, but was n't surprised. Not until this week did I hear from the XXXX firm. The paper work, a cover letter and an old letter " from GE '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like XXXX is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got XXXX different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I opened a XXXX checking account ( XXXX ) in XX/XX/XXXX. It was linked to a XXXX Savings account ( XXXX ), in order to avoid fees on these accounts. In order to avoid the fees I had to make a recurring transfer of {$25.00} from checking to savings. This recurring transfer went on for several years. Over that period of time, I was told by XXXX different tellers on XXXX separate visits that I did not have to continue the recurring transfer, that it only needed to be set up that way initially. They said I could just discontinue the transfer at any time and no fees would result. So I discontinued the recurring transfer in XX/XX/XXXX. Since that savings account usually does not have much money in it ( I do most of my banking at another institution ), I paid little attention to this account. The other day, when logged into the Wells Fargo iPhone app, I noticed a negative balance in this account. Looking further, I found that the account had been emptied by {$5.00} monthly service fees since XX/XX/XXXX. I was shocked and dismayed. I went to the bank at once and spoke with banker XXXX XXXX, who politely listened to my complaint. She called a customer service representative named XXXX ( who reluctantly told me his last name was XXXX ), whom I spoke to on XXXX XXXX 's desk phone. After hearing my story, XXXX XXXX told me that although the tellers had given me erroneous information, which he said could perhaps be classified as " bad behavior, '' it did n't meet the criteria of " bank error '' and therefore there was nothing that he could or would do. He " reassured '' me that it was a pleasure to speak to me, and thanks for doing business with Wells Fargo. He hoped I would have a nice day. XXXX XXXX informed me that to avoid further fees, I should transfer {$300.00} to that account to keep a minimum balance, and also to transfer an additional {$4.00} to cover the negative balance and an additional {$5.00} to cover this month 's impending service fee. 
I do n't know if the tellers had given me incorrect advice to discontinue the recurring transfer inadvertently, or if they did it specifically to generate fees. It does n't really matter at this point. The fees will total {$70.00}. 
Regardless, this is the sort of predatory activity that the Consumer Financial Protection Bureau was designed to combat. As a mere customer, there is little that I can say myself that Wells Fargo will listen to. I know their behavior is wrong, they know it, and now you know it. 
Please help make it right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to Bank of America to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Bank of America it has been7 weeks, and Bank of America says its my fault and want to our company to settle for half the money $ XXXXI never thought that Bank of America would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Medical Billing XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : This letter is to complain about XXXX bills I recently received from XXXX. I called XXXX on XXXX XXXX, 2016, to find out how to deal with a problem I 've had with these XXXX bills. 
The XXXX police handcuffed me and forced me to the hospital because I was XXXX. When I arrived at the hospital, they handcuffed me to a chair while some staff asked me some basic profile questions. The cops then proceeded to take me to the XXXX where I met the XXXX who finally XXXX. The XXXX took me into a plain office and just gave me a tissue and asked me a couple questions about my profile. After five minutes, I was told to wait outside while the cops casually planted themselves in chairs to relax thinking they would be there a long time. The XXXX said I was fine to go and the cops quite surprised, proceeded to handcuff me and make me wait upstairs while they went to the cafeteria to get food. At this point, I had not eaten all day and just thought how my friends and family were probably wondering where I was. I realized I was taken to the hospital so the officers can get food and relax while I just got a XXXX. Less than one hour was spent at the hospital where most of the time was spent with me waiting handcuffed or watching the cops get food. I spent only fifteen minutes or less to myself in a XXXX and answer a couple questions and I refuse to believe any of that qualifies for an emergency room bill for {$1600.00} and emergency visit for {$140.00}. It is completely absurd and outrageous considering neither was any emergency at all and all I was given was a XXXX. 
After I had been on hold for several minutes, a representative came on the line. I tried to explain my problem to her several times and she interrupted me to say she could not help me and to write a letter explaining my situation. Needless to say, I was quite frustrated. I do not want to spend any more time on this problem and I am including these XXXX bills to be cancelled. I will be informing my friends, family, lawyers, and if necessary, forwarding all this information to the executive staff of this company and NY XXXX XXXX XXXX about this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
collector is attempting to collect a debt that is past the original legal statute of limitation for debt collection. collector has reaged and dated the debt on my credit report to look like its a new debt and changed the account number to their own number to again make it look new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express is reporting an account on my credit report that I am no longer an authorized user on. I would like the XXXX American Express accounts that are currently showing balances removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: Netspend Corporation
State: AK

Complaint narrative:
I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation