vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-16 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: FL

Complaint narrative:
I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: TX

Complaint narrative:
I received a call from Senex in XXXX stating that I owed XXXX dollars for a medical bill from XXXX. Being that the bill was from XXXX Hospital ( XXXX ), I was suspicious. I 've been living in XXXX since XXXX XXXX and could not have charged any medical bills in XXXX during the referenced time period. I requested additional information from the credit agency and informed them that the bill was not mine. I was informed that they would request a signature from the hospital and send it to me in order to verify if I was the person that signed for the referenced service. As of today, I have yet to receive this information. In addition to reaching out to collection agency, I contacted XXXX to dispute the charges that appeared on my credit report. After 3 weeks, I received a response stating that the investigation was closed and it would remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I applied for a chase freedom credit card. I was approved and mailed the card. After about two weeks of having the card I went to use it and the transaction was declined. I had never used the card before so I called the automated number for balance information and it said that the available balance was XXXX. I called customer service and was told that all the credit had been used on a balance transfer. I unmediated reported this as fraud as I had never done a balance transfer or used this card. I followed up and was told that the fraudulent activity was removed from the card and a new card was issued. I began using my card. I receive a bill and see that the fraudulent activity is still on my card. I call faud services and they say that an investigation reviewed that the charges were valid as the transfer was to an account in my name. I once again dispute this as I do not have an account in my name to transfer to. They provide new details. I have been transferred from XXXX department to another with no resolution. It has been 4 months since the fraud happened and I do not want to keep making payments each month for fraud activity! I would like to pay and close this account but can not because of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MA

Complaint narrative:
The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: IL

Complaint narrative:
I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES
State: TX

Complaint narrative:
I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL

Complaint narrative:
Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: MI

Complaint narrative:
I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: SC

Complaint narrative:
Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. 

Please advise!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: OR

Complaint narrative:
Despite paying {$1000.00} in interest between XXXX and XXXX, Dakota Lending still wants to charge an additional {$340.00} in interest on top of previous {$1000.00} I have already paid on a {$1100.00} loan. I offered to pay the loan in full, but they insisted on me paying the additional interest charge.

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 monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 

Chase bank credit card disclosure from their statement says the following- " To figure your periodic interest charges for each billing cycle when a monthly periodic rate ( s ) applies, we use the average daily balance method ( including new transactions ) ''. The statement then says- " Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until YOUR ACCOUNT IS PAID IN FULL. " My objection is the following : Chase says they use average daily balance in order to determine balance subject to interest. They then say interest is added until you account is paid in full. By using an average, once an account is paid in full, that means interest is no longer assessed. The average of any number with XXXX is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.

Company response to consumer: Closed with explanation