vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: NJ

Complaint narrative:
On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD bankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Attempting to work a short sale for my property with Wells Fargo XXXX WF XXXX. Filed previous complaint XXXX case number XXXX ) and WF response was, " Be advised that when it 's been determined an account is eligible for a short sale and a signed offer is received, an appraisal or Broker 's Price Opinion is ordered. We 'll then research and review the offer. After all required information and approvals are received ; the short sale decision will be communicated to you within 30 days. " We have had a contract since XXXX 2015, WF just keeps asking for bank statements, then they say I do n't qualify, that I can afford the payments, now they say the offer is too low but will not respond with a price range of what the offer should be. 

The issue is, that I ca n't sell the house for what I owe on it, which I am told is considered a Short Sale. WF does not seem to use the same definition though. The current buyer has been waiting for 5.5 months. WF has stretched this contract out until XXXX. I am going to lose this buyer too because of WF 's stalling tactics. 

We have provided all documents requested within 1 business day in every instance. If WF has a different definition of a short sale, then they should have stated it up front and never let this go on this long. We have been up front and honest with them all the way. 

I was paying the mortgage up until XXXX. I was told at that time, that they could n't even consider a short sale unless I was 31 days late. If I ca n't sell my house for what I owe on it, why does it matter if I am paying the mortgage or not?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Debt is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mediation Recovery Center
State: FL

Complaint narrative:
Debt is 15 years old and has been charged off for 15 years. I no longer owe this debt they are trying to collect on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
I signed up for a zero interest loan for 12 mos for a washer and dryer with Conn 's Home Plus. The lender failed to withdraw the final payment ( they said it was n't set up on ACH, yet they ACHed all my other payments ) causing my account to accrue the previous 12 mos interest, which exceeded the total initial cost of the appliances. When I called them three days after the 12 month mark, they said there was nothing they could do and I needed to pay it or have my credit negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.

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 2015-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX, Synchrony Bank, ( XXXX XXXX XXXX line ), took the class action settlement refund out of my account. They altered my credit line in order to regain the payment/ credit I received. Example Credit line was {$350.00}, posted credit for court settlement {$50.00}, then reduced the credit line to {$250.00}. Essentially taking it back the refund. Account in good standing, no missed payments, always on time etc. There seems to be no real good reason, from my standpoint, to reduce the credit line it has been the same for years with GEMoney bank the previous financial institution managing the credit service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
in XXXX 2015 i bought an item from amazon, {$19.00} and it was charged to my account run by synchrony bank, XXXX XXXX, XXXX, fla XXXX ( bank ) -i got the bill from bank on XXXX/XXXX/15 and paid it by entering my bank account #, and routing # -on XXXX/XXXX/15 got letter from bank saying my payment had been returned by my bank-a lie as my bank ( XXXX ) never heard of it-i at once called bank at XXXX and spoke to aromas who told me they had made an error in input and verified my XXXX routing # and account # to have the {$19.00} paid from my account XXXX gave me confirmation # XXXX-the amount was paid and withdrawn from my XXXX account on XXXX/XXXX/15 yet on XXXX/XXXX/15 i get another letter from bank saying my account was closed for return payments -i called bank and spoke to XXXX-who said she would take care of problem, but nothing she could do about reinstating my account or removing bad report from the XXXX credit bureaus -- help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.

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 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
-On XX/XX/XXXX I phoned in my {$97.00} monthly payment for account XXXX. 
-I had previously submitted a request for ACH automatic payments from my bank account. 
-Representative informed me on XX/XX/XXXX that she sees it processing in the system and it should be operation and take care of my next payment. 
-As advised by bank representative in XXXX, I expected XXXX 's payment to be drafted automatically from my bank account. 
-The XX/XX/XXXX payment was n't mayde and I recieved no notifications or collections phone calls from lender about payment being late or my ACH request having been rejected the bery next day after I called ( XX/XX/XXXX ) and lender does not invest in text messaging, or online access to allow me to see the status of my account. 
-On XX/XX/XXXX I received notification from XXXX smartphone app that I have been reported as being 30 days by Synchrony Bank XXXX 
-Synchrony Bank manager says that I have to live with it because I did not send a voided check along with my ACH request and that they sent a letter regarding it, but there was no call or letters, especially since I am not always at home because of military service and again Synchrony Bank does not invest on texting or a website. 
-I request that this negative entry be removed by lender because I followed what the bank representative adviced as to my next payment ( XX/XX/XXXX ) being made automatically as a result of my pending ACH auto payment request being fully processed by then, despite of disclosures about several billing cycles being necessary ; because the representative represents the lender, I followed her advice and I had no communication whatsoever from lender about my payment being late or ACH request not being accepted.

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 2015-12-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank, during the month of XXXX 2015 closed my Chevron Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Chevron Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation