vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Parent plus private loan for XXXX my XXXX year XXXX of college at XXXX, my parents helped pay the interest down every month until I graduated, I then got a letter about XXXX months after I graduated with a late payemnt ... have been paying XXXX aka XXXX XXXX aka XXXX 12 and 11.75 interest rates on this loan.. over XXXX has been paid back on this XXXX dollar loan and I still owe XXXX ... my next highest interest rate is 5 % I believe for other companies.. it 's forcing my to live in my parents basement and I 'm an investment advisor with a series XXXX, XXXX, XXXX and life accident and health insurance license. It 's cases like this that kill credit scores, slacken the housing market and depress the middle class. I 've written to navient XXXX times and an uninformed individual picks up the phone who never helps. Navient/XXXX//XXXX XXXX most likely got that XXXX they loaned me for XXXX for 0 % because of the federal Reserva q/e and I 'm fed up with how they 're taking advantage of the American dream, my parents did n't get to go to college so it was always drilled into my head that it 's anot opportunity I have to take advantage of. College ceos who raise out of state tuition and in state tuition no this all to we 'll and it wrong. When it comes to profit margins college education, especially state universities, should n't operate on the same principles that for profit corporations do. 

My name is XXXX XXXX and I believe in the words I just wrote and I think many other people do to. I 'm far from a XXXX and I 'm pro capitalism but for a while one would say " there 's something going on here and you do n't know what it is, do you XXXX XXXX '' ... well I think more than I have figured it out and it 's time to correct the next bubble before it bursts. 

( The {$15000.00} is a real figure, not my total loan just XXXX and I know others have it worse but I 'm sick of my own country taking advantage of age old ideology of college and federal policy loop holes )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.

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 2017-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Loan company deferred my payments till 6 months after I graduated. Then lost my loan, I never got a bill. They used a wrong social security number. Then they came after me 20 yrs later for the full balance plus interest and penalties. and have been taking my income tax returns. My loan was only for about XXXX dollars. However they have taken over XXXX now. I need help to make them stop! theyve got there money back. I would like my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing because I was trying to buy a home and the lender approved me, but then they found out that Bank of America ( my previous lender ) had waited 5 years before foreclosing on a property I had surrendered in a XXXX bankruptcy. 
So instead of having good credit ( score XXXX ) and being approved to buy a house ( thanks to the 7 year rule for bankruptcy ), I ca n't buy, thanks to Bank of America. 
How is it legal for a bank to do this? There is a law that my bankruptcy is ignored on my credit after 7 years, but apparently B of A has found a way to get around this and hurt borrowers for years and years? 
B of A actually caused my bankruptcy. They would not adjust my loans and would not explain why I did not qualify for that, and they lied to me repeated on the phone about my loans. Now this. 
If I need to word this as a complaint, it is simply that my credit should be good now, since 7 years have passed, but thanks to B of A postponing foreclosure, my credit is still bad and will be for five more years. 
Yes, the current lender had suggestions, but they boiled down to a much, much higher interest rate ( nearly 7 % ), much larger origination fees, and just a bad mortgage. So those of us who got hurt in the " recession '' of XXXX are again punished. I wo n't buy a house at nearly 7 %. 
Thank you for listening.

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 2015-05-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. 
This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. 
I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. 
For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. 
Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. 
A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. 
Very disappointed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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:
On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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:
TD AUTOFINANCE approved an auto loan with a substantial down payment ( {$15000.00} ) on XXXX XXXX, 2016 and delivery of the truck was that date. Afterwards they spent over a month asking for more information and in fact refused to fund the dealer for over 30 days. The loan was pre-approved. TD Autofinance also refused to take an online payment by debit card on the date of the first payment even though it was only 8 days after the loan was funded. This after they actively advertise online payments. They are now reporting the payment late, trying to collect a late fee, and should n't even have a payment due yet. They took a check payment online charging us over {$500.00} in unearned interest. Of course, by doing so they forced the payment to be late since they would not submit it until the day after it is due. Contrary to a debit card which will clear by midnight on the day it is due. We contacted TD Autofinance over a week ago inquiring into the whole transaction and were told that our payment was due no matter what. I 'm convinced that this is an ongoing criminal enterprise! Based on my research, interest is due in arrears and only earned interest at that. I requested a reset of the first due date to properly reflect interest earned and TD told me to stuff it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: CT

Complaint narrative:
A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX a person named XXXX XXXX called from XXXX XXXX XXXX XXXX stating that I owed XXXX to TD BANK and that he was an attorney hired by the bank suing me from this amount owed XX/XX/XXXX. He said that I would be served papers from XXXX XXXX XXXX. The same company also contacted my family member that I do not live with stating the same, that they would be serving papers to her home if I did not contact the company right away. XXXX XXXX said that there was a pending lawsuit out against me but that I could settle for {$310.00}. He also told me that the amount was reported to my credit report which it is not and that they have tried to contact me back in XXXX also not true. I gave him my credit card number and he said he would be emailing me a contract to sign. I did receive the contract with the address XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I decided to XXXX the company XXXX XXXX XXXX and it gave me the name XXXX XXXX XXXX, a fraudulent company. I immediately called TD Bank, I spoke with XXXX, she stated that they do not use that company to collect debts and that I did not owe XXXX. I do however owe {$110.00} from an overdraft that happened XX/XX/XXXX. XXXX XXXX called me today XXXX because after I found out I canceled my card. I told him I knew they were fraudulent and that TD Bank said they do not use them for collection attempts. He told me that was incorrect. They called my aunt stating they would be serving her papers because she is the custodian of the account and would have to pay. I then called the company back and the receptionist simply told me that " The firm was declining my call and would not speak to me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: GU

Complaint narrative:
After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.

Company response to consumer: Closed with non-monetary relief