BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: GREAT LAKES
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Firstly I had not been receiving any mail on making payments to my federal loans to my loan servicer Great Lakes, despite it reflecting I have selected the postal option. Then one day I receive a letter from them, ' you are {$1.00}, xxx behind on your payments, you must pay this off and continue your payment plan. You should also go into forbearance if you can not pay this. Turns out they were sending all these emails to an old email I had used for school and had not been aware of to whom and how much my monthly payments would be for my federal student loans. I replied to the email and went into forbearance this past month. Since that month that I had logged into my account and requested forbearance, I recall the unpaid principal being about {$30000.00}. I log in today to find the principal to be {$34000.00}. I understand that loans still gather interest in forbearance but this seems a little ridiculous. I did some research on other people that had Great Lakes as their servicer and found that many people experience unknown fluctuations in their principal. This makes me very unsettled when this is who I 'll need to deal with for many years in repaying my loans. I 'd like to get back on track and will be filing my taxes soon to apply for an income based repayment plan, because Great lakes is expecting me to pay about 20 % of my income. I was hoping to seek some guidance in dealing with my servicer, as well as bringing to light the issues myself and many other students are experiencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Privacy

Complaint:
I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: GREAT LAKES
State: KS
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:
My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor Target/XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Other financial service
Sub-product: Check cashing
Issue: Excessive fees

Complaint:
Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! 

For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! 

I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. 

So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Issue: Rewards

Complaint:
I upgraded my TD bank credit card to TD cash as part of a promotion. According to the promotion if I spend {$500.00} in 90 days, I would receive {$150.00} back. I spent the {$500.00} within the 90 days but then it turned out one transaction did n't go through properly resulting in {$470.00} spend for the allocated 90 days period. I tried contacting TD customer service 3 times and every time I was promised a supervisor will get back to me but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: GREAT LAKES
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Pulled directly from Great Lakes Borrower Services Website : How Payments Are Applied " However, when it comes to extra payment amounts ( see examples below ), after all interest and late fees due have been satisfied, we automatically apply the extra amount to the unpaid balance on the loan with the highest interest rate ( if there are multiple loans in your account ). If you do n't want the extra payment amount to be applied this way, contact us. If you, instead, want an extra payment amount to be applied to a specific loan, you must provide us with the loan 's account number and interest rate. '' I was a XXXX major and currently work for XXXX XXXX. I state this so that my concern may be taken a bit more seriously as I 'm sure you receive unmerited complaints all the time. Their are multiple issues at play here, but I will start with what I assume to be the most common. I am currently in repayment on XXXX loans with this lender ( technically it 's XXXX XXXX XXXX ), XXXX has a 8 % interest rate and the other 8.375 %. I have all of my amortized interest paid and so only pay monthly accrued interest. I overpay each month in order to further deplete the principal balance. As the quote states above all extra payments will be applied to the higher rated loan. THIS IS NOT TRUE. I have been informed by multiple service representatives that I need to continuously call in to request that my over payments be allocated the way that I prefer and that if I do not than they will be applied proportionally to each loan. XXXX off that is not how it should be because the borrower is at a loss in this case. XXXX that is not how they advertise on their site which is fraudulent as well. I have been happy that they are willing to prorate my payments and make the adjustments that I prefer, but I ca n't imagine many graduates thinking this way nor looking into it. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.

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 2016-09-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01
Company: First Title & Escrow, Inc
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting 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 2016-08-08
Company: Second Round Limited Partnership, Austin, TX Branch
State: LA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed
Consumer complaint received 2015-05-16
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.

Company response to consumer: Closed
Consumer complaint received 2015-07-23
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My XXXX student loan was bought out my Discover a few years ago. the first contact made my discover, was after they sent my loan to a collector agency. After I paid my loan for six months, Discover bought my loan back from the collection agency but did not inform me of this until after I called Discover because the payment was no longer going through my account. Discover was unwilling to lower my payments, and added penalties to my loan. Discover would not give me information for my taxes, until after the filing date of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX, XXXX, Wells Fargo assumed our mortgage loan. We arranged for our monthly mortgage payments to be made from our checking account and were never late up until we paid off the loan when we recently sold the house. 

We unfortunately did file for Chapter XXXX bankruptcy in XXXX, XXXX, paying $ XXXX/month to the court trustee. Our case was discharged, after we made all of our trustee payments on time, on XXXX XXXX, XXXX. Not XXXX of our payments to Wells Fargo were ever late, most coming directly out of our Wells Fargo checking account using their auto pay program. 

We are in the process of refinancing our current mortgage to a lower percentage with XXXX Mortgage and were told that XXXX XXXX, on the behalf of XXXX, found that Wells Fargo has discharged our loan showing it as being discharged in bankruptcy, rather than being either paid on time or fully paid. Our bankruptcy was filed almost 7 years ago, discharged over 3 years ago, & had no detrimental affect on Wells Fargo whatsoever since we made every single payment on time & in full, evidenced by their own records. Wells Fargo admits this but says that since we did not " reaffirm '' the debt officially, they will not show it as anything other than a detrimental bankruptcy on our credit reports. The agent at XXXX XXXX was mystified at Wells Fargo 's action and response during a conference call and said that he was changing his report to show Wells Fargo paid on time & in full so that the refinancing with XXXX could go through as planned. 

But we are concerned as to what will happen to our credit in the future as the result of this action by Wells Fargo. We, as many consumers, had financial difficulties after the XXXX financial recession. But my wife and I have worked hard to recover from them. Since our Chapter XXXX filing we have paid our bills and creditors on time, built our credit back up, and expected our bankruptcy to fall off our credit reports this XXXX, only to find this new attack on our credit reports from Wells Fargo to appear when the only thing we did to them was always pay our mortgage on time every single month. Do we now have to wait another 7 years for our bankruptcy to fall off our credit reports? 

Please help. 

This, to us seems extremely unfair. I have attached payment information from Wells Fargo 's own website for the last 36 months ( as far back as I could go ) that shows all payments made on time.

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 2015-07-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?

Company response to consumer: Closed with explanation