BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.

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 2015-11-30
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Great Lakes student loan company is refusing to acknowledge my enrollment in a new school - XXXX University, XXXX program. After one month of emails to them and my school sending them my enrollment information, they refuse to acknowledge my enrollment -- thus causing me to have to pay back my loans and new school fees causing financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Georgia XXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I am a cardholder with American Express for 12 years. My account has always been fully paid during that time and there have been no previous issues. Out of the blue, I get an email from them that my account is under financial review and that they will cancel it if I do n't respond within several days. There was no prior warning before this email. They also put an immediate hold on our cards, again without warning or explanation, for the length of the review process, which I was later informed could take up to 7 days. So in essence, no credit card use for up to 7 days without warning on a fully paid account in good standing. They also would provide no details about why the review was taking place, why it had to happen now and not at a time of mutual convenience, or why the card could n't be used during the review process. I was able to negotiate an " allowance '' to use the card up to a certain dollar amount, but the representative was very clear that this was unusual and normally the account would be totally locked until the process was complete. The call also took up an hour of my work day, between trying to get information from them that they would n't provide, insisting that they clearly explain the review process and its consequences ( which they would not do ), and answering their financial review questions over the phone. This does not include time spent filing papers with them to support the information I gave them. Again, all this would be potentially be normal if there was some warning, if the account remained useable, and if a reasonable timeframe were provided. As it is, I was under threat of losing my card if I did n't respond ASAP and the card was locked until I responded and until they confirm my information with the IRS. If I had been traveling or the like, all this would have happened without warning and without any opportunity to fix it. They seemed totally unconcerned with the idea that this practice could put their cardholders in serious jeopardy, not to mention the intense inconvenience. To reiterate, I am with American Express for 12 years without issue and they consider this type of action to be completely within their rights. 

Last point - Amex claims to have tried to reach me by phone before sending the attached email. No phone call or message was received by me or anyone else on the account. Even so, the lock was placed on the account at the beginning of the review process, irrespective of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX ( as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client XXXX and XXXX, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for XXXX and XXXX XXXX XXXX and XXXX ( as XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I have had an American Express Card since 1979 and have been generally satisfied with their service until now. 10 days ago, I asked for a credit card balance transfer of {$5000.00} to pay another credit card. AMEX has not performed the transfer and does not intend to transfer the money for another week. Adding insult to injury, AMEX will charge me a balance transfer fee of {$150.00} for this " service '' I have complained to AMEX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a XXXX month payment history and it has not been processed yet. I am refinancing my loan through a VA lender and they required the information by XXXX XXXX. The request was made XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: ENCORE CAPITAL GROUP INC.
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year. 

They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time. 

After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt. 

I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction. 

Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports. 

I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me. 

I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REceived REPEATED calls min 3 dozen, Same thing everytime rols tovoice mail as I keep my cell on virbrate and rarely answer it as it rings. Then no message is ever left. Almost every time I call the number I get a busy signal when I DO get a human they hang up on me before ever telling me what the call is about. I can not look up what it is about online as I do not have a required reference number and I am informed I have to contact my original creditor to get the number. Kinda hard to contact a creditor as I have no clue whom the creditor might be let alone if its a valid debt. When googling online the phone number this seems to be typical behavior and possibility exists they do various online scams as well. 

If the company is SO incompetent they can even communicate what they are contacting me about I ask they cease and desist contact in the future because as it now stands all they are doing is harassing me like a former girlfriend who calls you over and over and hangs up when you pick up the phone.

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 2015-04-21
Company: Genesis Lending
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my 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 2016-12-12
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company continues to call me for debt collection for my husband and we have been legally separated for 9 years. They called me last week and I told them that, and they called me again today. They will not tell me why they are calling me or why they have my phone number. They will not give me the name of their company. When I try to speak to a manager they disconnect me. It is harassment and I am not legally associated with this person ( my husband ) anymore.

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 2015-07-25
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} 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