vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: WV

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was scammed by someone that opened an account at TD Bank. They were able to open an account - identifying themselves officially on the account as " XXXX ''. They told TD Bank that it stood for XXXX XXXX XXXX XXXX. As part of their scam which was successful ( when I wired money to them thinking I was buying a car ) they told me that stood for XXXX XXXX XXXX Account. Why anyone receiving large sums of money should n't have to identify themselves -I have no idea. But TD Bank is making it easier for Scam Artists to operate in this way. I 'm sure the scam artists appreciate TD Bank accommodating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank consistently applies my payment significantly after they receive it. This is resulting in higher than disclosed interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but TD never reached out to me to let me know. TD customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my TD account. Several months later when i discovered the issue TD says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TMX Finance LLC
State: GA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I opened an account with TD Bank in XXXX of last year with a {$100.00} deposit. I was told that as long as I maintained a balance of {$100.00}, I would not be charged any fees. I recently received a letter stating that my account was in collections even though I never withdrew any money from the account. I visited a local bank branch to ask what happened and the representative stated that I received paper statements for which they bank charged me $ XXXX, and once my account dropped below {$100.00}, they charged me $ XXXX for the account. First and most importantly, I registered for online banking over the phone with an agent immediately after opening the account since I 'm a digital-first customer and ca n't stand paper statements. Second, I was never told that the bank would charge me a fee for paper statements. In fact, I was told I would n't be charged ANY fees as long as I kept a balance of {$100.00} or more in the account. My account has been closed and I received {$35.00} back, as the representative would n't provide a full {$100.00} account credit. I expect to receive the additional {$65.00} along with compensation for my time and frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: GA

Complaint narrative:
I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: United Compliance Services, LLC
State: WI

Complaint narrative:
I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK
State: IL

Complaint narrative:
On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.

Company response to consumer: Closed with explanation