vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: NC

Complaint narrative:
I had went to title max in Virginia, and took an loan out on the my 2000 Mitsubishi galant. For only XXXX dollats I have to pay back almost XXXX dollars back. So my friend got into a car accident due to bad weather. I know longer have the car and I told titleax that and to go pik up the car. They refuse tp go pik the car up and keep harrassing me everday about making payments. They told me to go pay for the car that have been sitting at the garage for about a month now. They call from block numbers and differeng numbers everyday and leave voice mail after voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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:
TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC
State: UT

Complaint narrative:
I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Adjustments Inc
State: MN

Complaint narrative:
I have been receiving harassing, threatening and XXXX threats telephone calls from Credit Adjustments , Inc. representatives in regards to an account and debt of {$440.00} that I do not owe. The debt do not belong to me. I am a victim of identity theft.

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 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: KY

Complaint narrative:
My ex wife has claimed this debt with XXXX XXXX XXXX ( where the debt originated ) and also with Senex ( the debt collector ). Senex continues to attempt the collect the debt from 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 2016-09-03 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: WA

Complaint narrative:
I misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: WI

Complaint narrative:
I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
" Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. 
XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. 
XX/XX/XXXX : No bonus has been credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company
State: GA

Complaint narrative:
Approximately a year ago I applied for a VA mortgage loan through DHI Mortgage in XXXX XXXX, FL. after submitting {$5000.00} deposit on the house. For several weeks two or more individuals withing this organization requested financial information which was provided as many as XXXX times either by email and/or fax. During this ordeal I was assured numerous times that any of the items provided was the absolute final item needed ... only to followed by yet numerous additional items ad nauseam. The process became so overwhelmingly redundant with unprofessionally absurd with duplicative requests. When it was an obvious given that DHI had no intention of approving the loan, I requested my down payment returned which they denied under the blatantly false pretense that I refused to provide them with information. A stalemate was established in that DHI vehemently refused to approve or deny the loan so that the {$5000.00} did not have to be returned. Under advice from my realtor, I sought another home through another builder which happened to be of greater value with another lending institution. Providing the very same financial information provided DHI days/weeks prior, my loan was approved smoothly for the new home purchase. During this more professional association, we were complimented on how pleasant it was to have effected the loan in an expeditious manner including the submissions of financial information in a concise and accurate, timely manner. Additionally during the time frame just prior to the DHI ordeal, my primary residence was refinanced which was a second mortgage loan approved by yet another lender ... again with the same financial information provided. Bottom line ... DHI refused to approve the VA mortgage loan purposely to prevent refund of down payment!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click " make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a " late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Sterling Infosystems Inc.
State: NC

Complaint narrative:
Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Once XXXX confirmed that the final account charges of {$110.00} were paid, a debt verification letter was mailed ( XXXX/XXXX/16 ) to RPM LLC ( XXXX XXXX XXXX, XXXX, WA XXXX ). Its XX/XX/XXXX and proper notice has not been received. RPM, is again calling me ( XXXX/XXXX/16 ) with threats to escalate debt. When I asked the phone representative to please notify if a written response was sent, he states a certified letter was mailed XXXX/XXXX/16. Once i asked who signed it, representative became defensive and said " he did n't need to proof himself to me ''. Another call came in XXXX/XXXX/16 at XXXX, however i was already at work and missed call. 

Company has been unprofessional and rude every time they 've called. My FICO credit score is over XXXX and i would hate for this to affect my credit history.

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 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
I have a debt from child birth that was sent to H & R Accounts in XXXX of 2015. I had XXXX medicaid and health insurance, and the medicaid took a bit longer to cover the cost. I have contacted the hospital in which the debt was owed, who state I now owe nothing - I have a XXXX balance, because it was paid. I have contacted H & R Accounts XXXX 5 times in the last few months attempting to get this removed from their records and taken OFF of my credit. I am told different things each time I contact them and I am not sure what else to do. I have disputed this credit, and the dispute did not change anything but H & R accounts came back with a derogatory remark on my credit. The hospital ( XXXX XXXX in XXXX, NC ) is attempting to contact H & R to have this removed. I need help with getting this removed from my credit, since I DO NOT OWE IT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was contacted by Receivables Performance Management, LLC ( RPM ) located out of XXXX Washington. RPM called my cell phone about XXXX times and continued to call me XXXX times after telling them to stop calling which was about the XXXX phone call made to my cell phone. 

I have never heard from this company and have never had any account with or never given them my private mobile number. They admitted they were attempting to reach another person that I have no knowledge of.

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