vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is claiming a debt of {$550.00} which was settled directly with XXXX and XXXX XXXX XX/XX/2013 ( Can provide letters and certificate of mailings ). I have writen to Jefferson Capital Systems under the Fair Debt Collection Practices Act, Section 809 ( b ) and they still are telling the Credit Agencies that the debt is valid although they have failed to verify the debt, specifically : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Provide a verification or copy of any judgment ( if applicable ) ; 4. Proof that you are licensed to collect debts in ( insert name of your state )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My loan matured in XXXX XXXX. I first contract TD Bank in XXXX of XXXX for an extension of my mortgage loan. In short, they have taken over a year and now refuse to renew my mortgage loan which I have paid perfectly for 10 years. In addition, they informed me that I would be approved for a deed-in-lieu of foreclosure but refused to waive the deficiency balance and/or present terms of repayment for this balance. The deficiency balance would be roughly $ XXXX. They are stating that the value of the property is $ XXXX. We originally acquired the property in XXXX for $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please 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 2015-06-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
TDBank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the " customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: CA

Complaint narrative:
2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: TN

Complaint narrative:
I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
After XXXX 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a great deal to me because I was having trouble with the billing of my hazard insurance to the escrow after switching carriers and had no idea what had been paid out or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY
State: WV

Complaint narrative:
I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: IL

Complaint narrative:
I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please 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 2017-01-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
We applied for a 3.75 % fixed rate mortgage loan to refinance our current mortgage loan with TD Bank. We qualified with our income. The home appraisal showed we had 28 % equity in our home. The loan was for a {$550000.00} and the house appraised for {$XXXX}. The rate was locked until XXXX/XXXX/2015 but when we were going to close TD Bank changed the terms to increase the interest rate and lower the loan balance. This is a classic bait and switch scam to take our {$450.00} application fees and not honor the loan we applied and qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ

Complaint narrative:
I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for 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 2016-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses

Company response to consumer: Closed with explanation