vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
We were given a pre-paid VISA debit card with a face value of {$50.00}. This was sometime back. The card number was XXXX XXXX XXXX XXXX with a cvv of XXXX. The expiry date is XX/XX/XXXX. 

We tried to register/ use the card today ( XX/XX/XXXX ) online at XXXX. We could not as the system rejected the card as invalid. 

We called customer service XXXX XXXX. After great difficulty could reach a customer service representative. She informed us today that the card is invalid. We have not used the card at all. She informed that the card could be invalid either due to ( 1 ) expiry or ( 2 ) the deduction of monthly fees that will bring the card value down to invalidity. 

We also see a fine print on the back of the card that states " U.S.Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 months of inactivity except where prohibited by state law. .. '' We see this as unfair practice and request CFPB to intervene and address it. Just searching the internet shows the extent of losses suffered by common citizens due to this fine print.

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 2019-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
Spoke to NCB Management about this account and advised them that the original creditor removed this debt because it was a result of identity theft. The original creditor from my understanding is XXXX XXXX They indicated they were not aware when they purchased the debt and further action would cease. Now they have put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have been harassed by XXXX XXXX credit unit. They call me all the time using unknown. I answer the first time and told them I wasnt able to pay because I was struggling to my bills and rent. they gave me a later day to pay but they still call me from Unknown everyday 5 times a day! This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Unauthorized hard pull inquiries by companies listed below : XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/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 explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
The offending company is Medicredit. They are claiming to be trying to collect a debt on behalf of XXXX XXXX XXXX. The amount they are falsely claiming is XXXX. However, my most recent statement from XXXX clearly shows a balance of XXXX. I sent a copy of the statement showing the XXXX  balance to Medicredit, but they replied by insisting that I owe the XXXX. I suspect fraud.

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 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2019 I was seen a charge appear on my credit card notification from a merchant I use often, XXXX. The charge was for {$440.00} and I immediately contacted XXXX customer service to let them know that I was not authorizing the purchase and that someone had my account information. The representative told me that I needed to contact my credit card company and I then called Fifth Third Bank ( 5/3 ), the credit card department, to inform them of the incident. 5/3 told me that I needed to file a dispute and but I had to wait for the charge to go from pending to posted on my account. 

Once the charge posted I contacted 5/3 again to open the dispute, they cancelled my credit card and sent me a new one. On XX/XX/2019 I noticed 5/3 added the charge to my new credit card and I immediately called the credit card company again to see why the charge was added on my account. The representative that took my call told me that I was seeing the charge on my account because they spoke to the merchant and the merchant agreed to refund the charge my card. I was told they didnt want me to receive two reimbursements so they had to add the {$440.00} back to my new card. The representative told me that that I would be seeing the XXXX credit appear in a few days which will balance out the charge being added back. 

As time went by I called 5/3 multiple time letting each representative know that I had not yet received the credit from the merchant and that the balance carried on the card was affecting my credit/debt ratio which ultimately affects my credit score. The  representative then told me that I was not receiving a credit because the dispute was closed as final. She told me that in order to get my credit I needed to reopen the dispute and send an email to XXXX letting the department know why the charge was not valid. I sent this email back on XX/XX/2019 and put my case number XXXX in the subject line. After sending this email I had to contact the company several times to inquire about the case and was told repeatedly that they never received the email. I then threatened to contact CFPB regarding how they were handling the case and I was connect to a supervisor who said the document was received and that they needed time to complete the investigation. 

Today is XX/XX/2019 and the charge of {$440.00} is still showing on my account. As a consumer I am not sure what there is left to do. I explained to the bank and the merchant that I was using the XXXX services often and I believe someone had intercepted my information. The merchant nor the bank is willing to fix this issue. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Sir/Madam : I am the victim of a violent crime, and have XXXX  XXXX of which I am working on. My salary as a XXXX went from $ XXXXmonth to $ XXXX/month in XXXX XXXX Disability payments. XXXX XXXX WORKED with me during the extreme hardship with a balance over the {$500.00} limit, I only had to pay three ( 3 ) {$50.00} payments to put my balance at XXXX. 

I phone Synchrony Bank, regarding my Care Credit Card over and over and over. To include today, XX/XX/XXXX. On XX/XX/XXXX I was attacked unfortunately by a XXXX Driver. It is a Battery case. I phoned Care Credit ( Synchrony Bank ) SEVERAL times ignorantly hopefully expecting them to work with me as XXXX XXXX DID. They offered me a plan of " {$61.00} '' a month for 6 months due on the XX/XX/XXXX. Let me EMPHASIZE due on the XX/XX/XXXX. Unfortunately and obviously I can not pay the {$61.00} for 6 months nor do my bi monthly XXXX deposits come regularly on " the XX/XX/XXXX. '' I was continuously frustrated by the XXXX women in Customer Service for both their lack of thinking out side of the box and lack of empathy. To get to the point, on XX/XX/XXXX I made a full {$58.00} payment " TO KEEP MY ACCOUNT OPEN, '' as according to Customer Service. That was my food money. 
Then, in XX/XX/XXXX, I made a {$5.00} good faith payment. Two good faith payments. I just logged onto XXXX, and to my utter surprise, THEY CLOSED MY ACCOUNT. All of my efforts. All of my calls. All of my attempts to please work with me. The {$58.00} I sorely needed. I NEEDED THAT MONEY - all for naught. They have closed my account and have not even told me. I found out by looking at my report. 
I just spoke with a smug, unsympathetic robot, a man, in Escalation at the Bank. 

He was not interested in anything I had to say. 

I'm disgusted that during such enormous trauma, and with XXXX that I tried so hard and they just closed me. 

Shame on them. I wish I could close them. They NEVER offered to waive {$30.00} or {$37.00} fees, to assist me in catching up. They never offered anything to assist me. Now my account is closed. More trauma. Synchrony Bank you are bad people. I should have never even tried. 
You're not suffering from trauma. SHAME ON YOU for not keeping up with other credit cards, their empathy. You lack integrity.

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 2019-12-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae will not stop contacting me about my brother 's debt. I am not a cosigner on his debt or in any way connected to his debt, and my brother never listed me as a contact or provided them with my information at all. This is a brand new phone number so I don't know how they even got it, but they called me to ask that I give them my parents contact information, which they already have correctly on file. They are harassing me and I have no connection to this debt whatsoever. When they called they did not state that their request for my parents contact info was in regards to any sort of debt, and they are required by law to state that their contact is with the express purpose of collecting a debt and that any info received will be used for that purpose. 

They are also calling and harassing my uncle now, and he also has no connection to the debt and my brother never provided his contact information either. Their behavior is harassment and is in violation of my rights as well as that of my brother, uncle, and parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I owed a bill to XXXX XXXX XXXX XXXX from XX/XX/XXXX, I don't remember going to doctor then and do not remember receiving a bill of it. Starting in XX/XX/XXXX I began receiving phone calls from Receivables Management Partners LLC. I repeatedly told them over the next several months of calling me 3-4 times a day to just give me a detailed bill and only then will i pay the amount. The bill never came but all of the phone calls stilled continued. On XX/XX/XXXX I finally had enough of the harassment and paid the XXXX bill over the phone. They immediately took the payment out of my bank account but never produced a letter stating that the debt was paid in full. I have called them and emailed them for a receipt of payment and letter of payment but have gotten nowhere. Now i am being told that they do not issue receipts or letters of payment. This is still effecting my credit even though it has been paid off in full and this company will do nothing about it. Why they can't even issue me a simple receipt stating it was paid is beyond me. How do you expect people to pay off debts when you harass them and then not follow through on your end of sending a letter and reporting that it has been paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I was not given notice of the open account by collect tech in XXXX. According to my credit report it has been open since XXXX and I received no letters or calls. XXXX  hospital, the company who the debt is from also failed to contact me about the debt either by call or mail. I called the hospital and they stated they did not have me on their patient records. This is the second time Collect Tech has started an account against me and failed to reach out regarding the debt.

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 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a home depot consumer credit card in XX/XX/2019, with a promotional offer of {$100.00} cash back within 30 days of opening an account, if I spend {$1000.00} in the first thirty days. I promptly made an online purchase totaling {$1000.00} exactly 7 days later. The order came in two shipments. After two months, I called and inquired about the promotion. The agent informed me that it was already applied, but the receipt and the purchase price didnt reflect the cash back. They escalated the issue. I never heard anything. I called back a month later, the agent informed me there was no record of my inquiry the previous month. The new reason for not honoring the promotion was that because the order was sent in two shipments it was considered two separate orders and the promotion does not apply. I confirmed that both shipments have the same order number and both items were on the same receipt, so the agent again escalated the issue. I heard nothing for another month, so I called back. Again, there was no record of my two previous inquiries. I asked to speak to a manager. I was placed on hold for 11 minutes. The manager told me there was nothing she could do to honor the promotion, too much time had passed. I closed my account.

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 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchased from an independent seller who promotes their business using social media ; but uses the web handle of XXXX XXXX XXXX to sell their products. I made a purchase of two items, totaling to {$190.00} on the other XX/XX/XXXX day of XX/XX/2019. Previously on the website, production time was 11 days, so when i reached out to the company with my first attempt, on the XX/XX/XXXX asking for the status of order, I heard no response, but the selling was active on her social media accounts. I followed up a few days later to request cancellation of my order as it has yet to be sent out on the XX/XX/XXXX, and also have yet to hear a response. 
Following my application for a Merchant Dispute for this charge with TD bank, within the hour I was sent a confirmation that my order was shipped. However it has been 10 days, and the status of the shipment has yet to be updated ; the level was the only thing to be created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
A fake company sent me checks worth $ XXXX, this money should have been to purchase computer systems for my new at home job position. The checks were deposited in my USAA bank account and cleared right away. The money was used to pay a fake vendor for the products that should have been delivered to my address the following morning. In conclusion, 5 days later USAA send me the return checks, take {$5000.00} of my hard-earned money and said that is the way the bank works and they cant do anything. You should have read the regulations about transactions. I would have never sent that money if USAA wouldnt have cleared the money and made me believe that money was in my account just to turn around and take it away. YES, I got scammed by a someone using the name of real company that sent a check from a real bank that was not real, but I was totally mislead by USAA and their procedures when they clear the check and then take my money when it got returned. That money should have NEVER shown in my account until the transaction was confirmed. Now, USAA dont see this as a real issue but scammer is using this unloyalty and unethical practice to continue ripping people off and nobody seems to care or thinking about doing anything to prevent these scams. USAA LIED TO ME AS MUCH AS THOSE SCAMERS DID. I hope someone reads this and do something about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So i paid off this account and after i paid if off, i notice that i received a bill the following month. This is when i noticed that i had paid off all of these charges that were never approved/authorized by me. It was the same company XXXX XXXX, XXXX XXXX, CA. I paid for a one time purchase for my daughter with this company. It was a charge of {$29.00}. A one time charge. After i paid this credit card off, i realized that i had paid off a total of like {$700.00}, of unauthorized charges by this same company, XXXX XXXX, in XXXX XXXX, CA. I called the credit card company, told them that i had never authorized all of these {$99.00} dollar charges to my account. I filled out all the paperwork that was sent over to me. Well this has been since XX/XX/2019. They closed that account, so vendor couldn't continue to charge me. They issued me a new credit card, but now decided to re-charge me for fee over again. At this point, i just want my refund. I was disputing the charges, but for them to charge me double why? This isn't fair to me the consumer. I already paid off these un authorized charges. I need a refund ASAP. IF i owed Citi, they would be pounding on my door. I'm so mentally exhausted over this issue. I have call maybe like thirty time. Every time, it's like an hour on the phone. Also their representative are so hard to understand, they don't speak clear enough English. I'm super tired of dealing with this issue, i need my 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 2019-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
lowes credit card, there was a charge on there for XXXX from another state and It was not in that state. I told them this and I told them until they fix it I would not pay. they did nothing. it has been several years and I have been denied credit ( low interest rates due to this ) I believe it has been over 4 years and I have not paid a dime, also, my limit was only about XXXX and they have on credit card that I owe over XXXX. I want this removed from all 3 bureaus. this is not right for them to be doing to me.

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 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I initiated a transaction totalling {$700.00} and {$140.00} respectively. Both transactions were declined by the system, however the funds were preauthorized and held from my available funds. 

Card company acknowledged the error on their side however states that it will take 7-10 days to resolve the issue. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an offer in the mail for a capital one credit offer of 0 % interest for 18 months and {$150.00} after spending {$1000.00}. I filled out the application and was denied this based on one credit score which was lower then my other two. Additionally I was offered a different credit card however. Therefore the company in my belief is baiting and switching me. They are not denying me credit but finding a way to not give the bonus offer solely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
back years ago, I believe in XX/XX/2013 there was a charge of over XXXX that I did not authorized. I kept paying card anyway because I did not want my credit to go down hill. I was paying over XXXX in interest alone and could no longer pay it. so I tried everything to try to get it fixed and I could not get it done. so I stopped paying it. I had no choice. I am still today, dealing with being turned down for low interest cards because of it. it is removed off of one of the bureaus but not on all of them. again I was turned down yesterday and it needs to be removed from all the bureaus

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