vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a TD Bank Credit Card after receiving a promotion through mail from TD Bank that offered {$200.00} cash back on opening a TD bank credit card account and spending {$500.00} in 90 days. 
I did that and followed up with the TD Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of TD bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. 
When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same TD Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. 
I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Senex Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had multiple accounts with TD Bank for a year or two and then ran into financial trouble. A check bounced and one of my accounts with TD was overdrawn and subsequently closed out by them due to the negative balance. I assumed they were closing out my other accounts as well however they are telling me that they have placed a " freeze '' on these accounts which means the funds cant be touched and the accounts cant be closed until I pay them for the one account that was overdrawn. They are still charging me fees on accounts every month even though I cant access the $ 400+ still in the savings and checking accounts and it seems illegal to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was " Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and " Auto-Pay '' was active. 

I called " XXXX '' at Target and she updated my Target Online Account, which now shows XXXX " Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and " Auto-Pay '' active, I dispute the " Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Adjustments Inc
State: MI

Complaint narrative:
Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp.
State: TN

Complaint narrative:
Around XXXX I submitted a complaint about a debt collector ( XXXX XXXX ) that resulted in a removal of the debt from my credit report due to their failure to send notice as well as their failure to validate that I owed it. 
Since then, the debt was sold to a company named Senex Services Corp. This collection agency also reported the same account as a legitimate debt to the credit bureau without sending me notice. I contacted the company and requested validation and they have not provided it and will not remove the information from my credit report. They reported it in XXXX. Thank you.

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 2015-06-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Target is reporting every month that my account is charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
I received a call today XX/XX/XXXX at XXXX AM MTN time from phone number XXXX and the representative identified himself as calling from Commonwealth Financial Systems. I monitor my credit via XXXX XXXX ever week and only have medical debt in collections with companies name that I know, from over 3 years ago and am never contacted by them. All the research I can find on the company are complaints and law suits and accusations of Commonwealth Financial Systems reopening already closed collection accounts to attempt to collect after the reporting period. I am working very hard to pay off my debts and correct my credit but I know I have nothing in their office for collections and I asked them not to contact me again and issued a verbal cease and desist on their " recorded '' line. They then called me again not more than XXXX minutes later after I advised them to never call my phone again and verbally expressed my cease and desist. I have had only XXXX accounts in collections [ ALL MEDICAL ] for the past 2 years and the complaints launched against them put credit scores back months. I am preemptively launching a formal complaint against this company for contacting me after I advised them of cease and desist and I know I have no debt in their office so anything they may try to tack on to my credit reports are false and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I HAD A TD BANK ACOOUNT THEY CHARGED ME XXXX, XXXX IN OVER DRAFT FEES FOR XXXX CHARGE OF XXXX FOR A MATRESS, AND THEY CHARGED ME OVERDRAFT FESS FOR EVERY TIME THEY MESSED UP ON THERE PAYMENT IOTION TO PAY BILLS, THEY KEEP SUBMITTING PAYMENTS TO COMPANIES AND THEY TAKING THE MONEY BACK THE PAYEMNTS WHERE NEVER AUTHORIZED BY ME, AND THEY WERENT DUE PAYMENTS SO ALL THE COMPANIES CHARGED NMY XXXX EACH TIME IN FEES I OWE XXXX XXXX IN REFUND PAYMENTS AND ALL THE OTHER COMPANOIES CHARGED ME FOR CHECK REVERSAL FEES TOO, I NEVER OWED THEM MONEY TO BEGIN WITH, TD BANK TOLD ME TO BAD AND CLOSED MY ACCOUN TSO I CANT EVEN PULL UP ANY DETAILS, THEY ARE RUDE THEY RIP PEOPLE OFF I AM NOT THE ONLY ONE, THEIR OVERDRAFT AND CHECK REVERSAL FEES ARE RIDICOULOS THEY SAY I OWE THEM OVER XXXX FOR FEES. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My Federal & Dept. of Education loans are being serviced by Navient. In making payments to them, I 've noticed I do n't have the ability to designate the allocation of the payment ( s ). Upon reading their allocation terms, I learned that they automatically & unilaterally allocate the entire payment to interest & fees FIRST, principal LAST. This stretches out the life of the loan artificially & takes away my individual right to decide how my money is used in servicing this extremely high debt. I understand there is a class-action lawsuit regarding this very issue & I would like to get more information on how to get involved. The universities I have this debt for attending are : XXXX University XXXX University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation