BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: G. Reynolds Sims & Associates, P. C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
G. Reynolds Sims, took over a credit card debt that I had for approximately $ XXXX last year, around XXXX XXXX. I was actually wrapping up a divorce at the time. I was making monthly payments and having them auto deducted from my checking. I moved however did not change my phone number and also forwarded my mail as well as legally changed my address. Five month later this law firm contacts me and says I now owe them over $ XXXX. They requested documents, tax returns, pay vouchers, bank statements, which I provided back at the end of XXXX XXXX. I did not hear from them again until recently when they, without communication or notification garnished my bank account taking all my money, plus the bank charged a {$120.00} fee for doing so. They took {$400.00} and this occurred about two weeks ago. I found out about it when I tried to purchase food with my debit card and it was declined. I logged onto my bank website to find my account balance to be XXXX. I called the bank and they investigated these transactions and indicated that G. Reynolds Sims garnished my account. How is it legal and fair that a company can do such things. I was reasonably trying to work with them to settle this debt and make payments. None of the XXXX other companies I 've dealt with had any problems calling me or sending me communications by mail to resolve my debts. I was and have been doing the responsible thing and trying to pay these debts and not just declaring bankruptcy like many people seem to do and just walk away. Can your agency please assist with this company and their handling of my account? How can a company purchase a debt for pennies on the dollar then turn around and charge over 30 % interest on the original debt amount? If this is legal then I think I want to go into the business of buying charged off credit card accounts as well. To be honest I am fearful of them and their tactics. I have been nothing but cooperative with them and have not been trying to dodge them like some consumers do. I am at my wits end with them and am at a total loss as to what to do in handling them. Any assistance you can provide or any recourse with this firm would be much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. 
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have my student loan through Great Lakes. I pay my normal monthly payment via Auto Pay on the XXXX of each month, which is the due date. I supposedly receive .XXXX % off of my interest for being enrolled in Auto Pay. I also make additional payments of between $ XXXX {$200.00} at the end of each month via the website. There is a feature that allows me to allocate which loan I want the extra payment to go to. Of course, I always choose it to be XXXX % allocated to the loan with both the highest balance and highest interest rate. I recently discovered that it has never actually been allocated that way, contrary to what I believed. 

I sent in XXXX emails over the last week inquiring about this, and when I finally heard back all I received was a FAQ answer about how extra payments are applied ( which I already knew, and which was not being applied as it said it was supposed to be ). I called and spoke to someone for XXXX minutes today. He explained to me that my Auto Pay is set up to make payments on the XXXX of the month, which is my due date. Thus, the extra payments I make at the end of the month are not considered to be extra, but instead considered to be my normal payment. As such, they can not be allocated to specific loans. 

The gentleman then went on to tell me that I will have to change the date of my Auto Pay via the website ( he said he was not able to help me with that over the phone ) to be earlier in the pay cycle so that my extra payments could actually be considered extra payments. I went online to change it, and the website states it only allows Auto Payments to be processed on the due date and not any earlier. 

Now I 'm stuck between paying all of this extra money every month just to have it only go towards the interest on XXXX different loans, or canceling my Auto Pay and having my interest rates bumped up. I believe this is totally and completely unethical, and I think this company should be investigated for fraudulent and unethical business practices. They make it absolutely impossible to make any headway with getting these loans paid off! I pay almost {$400.00} per month, and the outstanding balance only decreases about $ XXXX {$40.00} every month! Help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been making payments since 2006 and the interest and amount do not decrease. I ca n't afford the payments and my living situation. Usually I 'm late with my federal loans and struggle with my private loans as well. I pay as much as a car payment each month with federal and private loans and to top of off I 'm paying for a degree that I did n't get. I have my XXXX in XXXX and attempted to obtain my XXXX but I was only capable of starting a class. And had to drop out due to financial hardship. But I 'm still paying for the XXXX degree. I ca n't transfer any of my credits to a XXXX college either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, I opened a checking account with TD bank over the internet. I deposited {$100.00} and was given confirmation of opening account #. On XXXX XXXX, 2015, I received their " Welcome to your new checking account '' snail mail. 

At XXXX on XXXX XXXX, I was awakened by an email from TD telling me that my deposit was unsuccessful and that I need to visit a store to make my initial deposit. At XXXX I called the number provided in the email ( XXXX ) to find out what happened to my money and the account I opened. The woman who answered the phone asked for my SSN and looked something up in the computer. She told me that someone closed the account and did not leave any note about why it was closed. 

I do n't care about the account anymore. They can keep it closed. My problem is that they closed the account and did not return any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A resolution was agreed upon by both parties which I have in writing. The XXXX XXXX of XXXX XXXX XXXX, wrote an agreement that all interest would stop unless I default. I have not missed a payment, and have proof. Yet, this company has continued to include interest, and I almost owe more than when we settled in court. I am a widow of one year and this XXXX $ a month has been a hardship, and to now find out all my monies went into their pocket. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: GREAT LAKES
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I signed up to drive for the XXXX and they ran a background check through a 3rd party company named Sterling XXXX. I 'm disputing every bit of information they provided on my background check as it is not my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am an account holder with TD Bank. I sought to deposit a number of checks yesterday at the branch located at XXXX XXXX XXXX XXXX XXXX PA XXXX, including XXXX check that my husband signed over to me. My husband was with me and showed them a valid PA driver 's license for ID. They refused to deposit it and then refused me any service at all when I insisted that they provide me with this simple banking service. The branch manager was completely unhelpful and unaware of and uninterested in basic banking regulations and my rights as a consumer. Decent customer service was absent. I called the XXXX number for customer service, and there was no satisfactory result. I was told that I could not speak to an upper level supervisor, the person with whom I was speaking would not identify himself other than a XXXX name ; and he refused to provide a control number for the call. I will be closing my account and taking my business elsewhere. I advise others to avoid this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. 
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. 
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. 
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Law Office of Arnold Scott Harris PC has called repeatedly since XX/XX/XXXX claiming I owe a debt to the Illinois XXXX. They say I must pay them directly, and give me the number of the violation. I have contacted the XXXX and the XXXX county court and no such debt exists. They continue to call and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Spoke with the supervisor. She spoke down to me, disrespected me, and raised her voice to me. All i had asked was to negotiate a settlement on a debt and she went off. " Why do you think we have to settle you? Do we owe YOU money? No. You must pay bills in full. " She has trained all her staff to treat people the same degrading way. It is a disgusting company. 
I will not do ANY business with company. I will not be the one putting food in that pigs mouth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a XXXX through TD Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. TD Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
My fiance and I go to td bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says " one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by td bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
while completing school at XXXX XXXX XXXX XXXX there were XXXX loans taken out for roughly {$12000.00} starting XX/XX/XXXX2016-XX/XX/XXXX2016. I finished school in XXXX and did not need extra loans taken out. I recieved a pell grant and private loan to cover the cost. I have spoken to my loan provider Great Lakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief