vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Ricart Financial Services
State: OH

Complaint narrative:
IN XXXX after filing for bankruptcy due to a divorce. I got a auto offer letter from a dealership stating that I could be approved, after obtaining the auto, the rates and fees just became unbearable, the company repossessed my auto in XXXX after making payments for almost three years. This has been on my credit report as a repossession since then. After working to build my credit score back up, I noticed a inquiry that I did n't make from a company I did n't recognize, after review it was COCC, the people who had repossessed my car. they now have a new name and say I still owed over XXXX on this car that was repossessed almost three years ago. On my equifax and transunion it now shows up a current repossession under the company 's new name and also shows up under the old name as a repossession form three years ago. my credit score has dropped over XXXX points due to reflecting XXXX repos, can the same company report that information twice or should it be updated, and this company is pulling hard inquiries on a weekly basis now. I do n't know what to do, I need help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a " XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get 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 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: NJ

Complaint narrative:
My loans including capitalized interest was {$23000.00}. I have made {$3400.00} in payments XXXX, however my balance including interest is {$21000.00}. Even after I calculated the interest rates of my loans and how much interest there would be there 's still several XXXX dollars I ca n't account for. This made me look at the federal website to see what information they had on my loans. The federal website says that I have {$8.00} in outstanding interest, but Great Lakes says I have {$30.00}. Because of these inconsistencies I asked my borrower Great Lakes to notify me how much outstanding interest each loan had at the time my grace period ended, then in XX/XX/XXXX and in XX/XX/XXXX so I can verify that 1 ) the correct amount of interest was there based on my interest rates and 2 ) as much money as they said went toward the loans did. They have not provided that information. I think they are putting incorrect values for outstanding interest that no one can confirm which allows them to collect more money and makes it more difficult to pay down principal balances on loans which would be an illegal practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: OH

Complaint narrative:
these bills were made when I was taken by the XXXX to the hospital for XXXX. I was found to be legally XXXX XXXX/XXXX/2011 and recieved medicaid that paid all my medical bills up to two years before I recieved medicaid. I also filled out the hospital charity form that was supposed to pay as much as XXXX % of the bills. As you can see by the differant dates I went to the hospital more than once and filled out that form each time. I submited the bills to medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. 
Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. 
No itemized information about proof of last activity date was provide to me. 
XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I applied for a redcard credit card and I received a letter statement was not approved. I have excellent credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
I am writing because I have been disputing an item PRESTIGE FINANCIAL SVCS on my credit report that is inaccurate and out of date. I have disputed this items several times with no results. The company should have removed it back in XX/XX/XXXX but keep updating the information as if the account is still opened. 
This account was closed in XX/XX/XXXX due to vehicle repossession through bankruptcy dismissal and placed in collections for the balance different after the car was resold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
We are an oilfield family. The last XXXX3 years have nearly sunk us. I have repeatedly sought assistance from TD Auto Finance to work out some other means to get through this without bankruptcy or reposession. They once gave a deferral, but said we had to pay on time for a year before another deferral could be offered. The website only allows partial or future payments if you are caught up on your payments. It refuses to allow partial payments if you are 30+ days over due. They are causing more late fees by not taking partial pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: TN

Complaint narrative:
Senex services continues to drag their feet validating this debt i 've contacted oringinal creditor and they stated i have a zero balance and they have not sent anything to collection with my name a ssn # it 's been over a month since i requested validation from them and i keep getting the run around, but yet they can verify to the credit bureaus that the debt belongs to me and negatively impact my credit score for a debt that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. 

I paid this account thinking it would help my credit and be corrected but it did the opposite. 

Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. 
XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased items that were returned and I was not properly refunded for. I have been assured of the appropriate return amount since XXXX. This has not happened despite over 10 calls to the customer service department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN

Complaint narrative:
We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GREAT LAKES
State: PA

Complaint narrative:
On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!

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