BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My account was debited for a large amount by TD Bank with no explanation nor was I contacted. All that was said was " WITHDRAW endorsement XXXX TD Bank '' Why did TD Bank take my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: JNR Adjustment Company, Inc
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a XXXX in XXXX of 2012. During my whole ordeal I was told multiple time by Hospital financial counselors not to mention the fact that I had active medical Insurance. Since it was a car accident the insurance companies for the parties involved would cover the cost. In the mean time I was out of work for two months so I hired a lawyer, I received multiple bills at self-pay rates from the hospitals, doctors, ambulance company and once it was all said and done the parties involved ended up not having any type of insurance. At that point my Medical insurance ended up paying a lump sum to all the companies involved and I never received any further noticed of late payments, attempts to collect, or notices of accounts being turned to collections from XXXX XXXX. Now I have a very expensive collection on my credit report due to their lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a XXXX Toyota Camry in XXXX with gap insurance for {$15000.00} using Prestige Financial. I became diligent for a few months when I lost my job and started a repayment plan. They had called all my family, my work, they threatened me by telling me I would go to jail, etc. Until I requested that we only communicate through email. It got better and they were set up to have direct deposit come out of my check as then they contacted a friend a few weeks after receiving my payments that they were to repo my car. It was actually in the process of being shipped from XXXX to XXXX where I picked it up and drove it to XXXX. After a few months and continual harassment, even though they were getting their payments, the vehicle was acting up and the engine started on fire where the insurance deemed it to be totaled. 
After 2 years of payments of $ XXXX/month and then the insurance paid prestige financial directly of {$9900.00} for the total loss, they have now garnished my wages and I received the paperwork that they are garnishing for {$14000.00}. This is totally wrong, I had GAP insurance, I had paid {$10000.00} in payments over the course of 2-3 years and then the insurance company paid them {$9900.00}, which is a total of {$20000.00} for a vehicle that was only purchased for {$15000.00}. 
I have all my emails, gap insurance, insurance from XXXX XXXX XXXX, and payments history that they received from me. I also have several people and family member that they call and harass all the time, making threats, and even calling as an attorney to coarse them into having me call them when I have directly stated that they can only contact me via email so I can keep a record. 
Now most importantly I am having to pay for this vehicle for a XXXX time because they lied about the amount owed. They have used and abused their power. The paperwork I received from payroll states that they served me and I have never been served from them and would request that they show documentation of being served. If I would have been served for this I would have went to court with all my documents to defend myself against their harassing and unethical behaviors. 
I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. 
Thank you for your time and attention in this matter and look forward to hearing from you. 
Respectfully, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
Payment made to Target National Bank was rejected due to " insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website, telephone, and secure email that the account normally used for payment was closed due to security breach, and a new account was given to draw payment from. TNB claims this never took place, and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account, paid the balance ( less the penalty fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to the TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TMX Finance LLC
State: TN
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 'm trying to resolve my balance with Title Max of Tn in XXXX, TN,. They are refusing to work with me to work out a payment and settlement amount on the debt. They have stated on several occasions that they would repo my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Breach of contract, plying false documentation, material misrepresentation, appending fees outside of the contractTD Bank services a mortgage loan, a contract assumed from a prior originator. The language of that contract is clear and specifies the real calendar date upon which a payment is received ( conveyed ). This definition is affirmed by years of prior TD bank behavior correcting any post-dating of a loan transaction to conform to the terms of the loan contract. This is important because, the terms of the contract can not be abridged or changed by any policy or arbitrary procedure of subsequent service agents. The contract is required by law to be serviced as written for the life of the loan. 

In the most recent year, TD Bank has repeatedly breached the loan contract by post dating inadequately documented transaction receipts, and altering statement details, for the purpose of quietly appending late fees to the backside of the loan. 

USPS Postmarks obtained on the receipts provided by TD bank tellers show that TD bank post dates and inadequately documents payment receipts to produce a false and misleading record of the transaction. Post dating of loan payments extends from 3 - 5 days from the date that payments are actually received. The loan contract sets action in regard to conveyance on fixed calendar dates and does not provide subsequent service agent the right to alter the contract or redefine dates and/or terms, and assent is affirmed by TD banks prior actions, and those of prior service agents dating back more than a decade. 

In addition to post dating loan transaction receipts it can also be shown that dates recorded on the statements do not match even non-post dated receipts. Again, the dates are altered to trigger bogus late fees which are quietly appended to the loan. 

Mortgage loan servicing is bound by the terms of the loan contract - not by variable and arbitrary bank policy changes regarding deposit and checking accounts or other financial services. By failing to properly document and accurately record loan payments, and by applying and appending fees outside of the contract terms and definitions TD bank is in repeated and sustained breach of the loan contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunWest Mortgage is receiving XXXX loan # XXXX and not reporting to XXXX, XXXX & XXXX as well SunWest refuses to send me my monthly Mortgage Statement and without my permission enrolling me in paperless billing and making it difficult for me to send in my payment they are taking ever avenue to direct me in auto-pay I REFUSE TO GIVE THEM PERMISSION TO AUTO WITHDRAWAL FROM MY ACCOUNT in lieu of my refusal there making it difficult to manage my payments and there not reporting history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2016-08-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone added my name to an account for a Authorized user? I do n't know the person and I do n't have a target card never have. Please remove. I am a victim of identity theft. I been living in a 3rd world country for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24
Company: GREAT LAKES
State: CA
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:
In XXXX XXXX, I called my student loan provider Great Lakes to complain that my payments toward my loans were not being applied according to what they published on their website 's " How Payments Are Applied '' page ( https : //www.mygreatlakes.org/educate/knowledge-center/how-payments-are-applied.html ). According to this page " If there are multiple loans in an account, the extra amount ... will be applied to the loan with the highest interest rate ''. However, my payments were being applied across all loans on my account, causing me to accrue more interest. The representative I spoke with claimed to not be aware that this was on the website and helped correct how my future payments would be applied. However, my payments are being misappropriated yet again as of XXXX XXXX. The company continues to publish this deceptive information which had led me to believe that I did not have to provide any specific instructions about how to apply payments that exceeded the minimum amount due. Since I believed what was published on the page, I did not compare my billing statements until XXXX XXXX ; I have been making payments since XXXX XXXX. They never reversed the unfair interest charges that resulted from their misappropriation for the months of XXXX XXXX - XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Greene & Cooper Collections LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a call on XXXX/XXXX/15 at XXXX from Greene & Cooper XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of XXXX XXXX XXXX and that they took over the account. I told her that the the office of XXXX XXXX was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this debt down to roughly {$700.00} USD. I fell into financial hardship and the debt magically almost quadrupled. I refuse to pay the absurd amount of roughly $ XXXX. This debt has been sold twice now and neither debt collectors have been able to give me a clear explanation on the amount. Seems fraudulent to me and I work hard to provide for my family and I will be dammed if I allow this to stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a unauthorized and fraudulent inquiry from XXXX XXXX XXXX listed on my Experian credit report. I did not make the inquiry. The inquiry is unauthorized and fraudulent.

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 2015-10-26
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
I co signed loans for my XXXX children through NJ Class. We got into billing disputes regarding unsent billing and other billing errors. We 've made monthly payment but its not what XXXX says we owe. We 're paying the loan, we just disagree on the amount. Now they are attempting garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Lien Enforcement INC is trying to collect a debt on a vehicle that I have not owned in years. This company has sold this vehicle and now is wanting storage fees for this vehicle that I have not owned for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX - Amount {$570.00} XX/XX/XXXX - Hard inquiry XX/XX/XXXX - Hard inquiry XXXX XXXX, XXXX - Hard inquiry A medical debt collections account was added to my credit report, in addition to other hard inquiries. 

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 )

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 2015-07-14
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Rubin & Rothman, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Someone called me from paramount recovery systems, they informed me that they were calling with the above stated business then they told me they need to verify my name and last XXXX numbers of my social security number. I told them I would not give them that information over the phone. They told me they could not give me any more information unless I verified this information. I hung up the phone at that time. Not once did he say he was calling to collect a debt. I did not know they were a debt collection agency until after the call, when I Google the name he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed