vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a Widow who has asked for assistance and denied, never receiving assistance. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from TD Bank but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and I was denied again even though I gave them concrete proof. I needed my loan modified to a smaller payment so that I could keep up the payments, I do n't have far to go to finish paying off the balance. Because TD denied me help, in order to keep up the payments current and on time, I used my savings to supplement my income. Now my savings is gone and there is nothing left to supplement. I am behind, a car repair problem caused a setback in my ability to make payments to them. I only owe them approximately {$27000.00}, my monthly payments are {$450.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from TD Bank where I have a home equity loan. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. Under the current administration, there are mortgage programs that would assist me but TD Bank would rather harass me for payments that I 'm unable to make rather than offer a solution where we can all benefit. Each week they send me threating letters of foreclosure, I know from past experiences, if I continue to send them requests for assistance, they have no intentions of helping me with anything but out of my co-op if I ca n't pay. TD Bank holds the home equity loan and I am currently unable to pay and I am being harassed rather than given any assistance. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I received a letter from XXXX XXXX which was an offer to settle my student debt. When I called the given number on the letter they proceeded to transfer my call and then giving me another phone number to call to settle my debt. I do have the letter they mailed to me and my page of notes, numbers and doodles, while trying to settle a debt in good faith. They cashed my check and then sent me a new notice with the balance being what they supposedly had written off to settle. Now they are harassing me again. At the same time as this I paid off my other student loan account as well as numerous other credit cards and doctor bills. I did this in good faith with the people my husband and I owed. I sold off heirlooms and sentimental objects to do this because I was facing XXXX and did not need or want the XXXX of what I owed hanging over me. Please make them stop. XXXX XXXX/Navient/XXXX XXXX and now /something totally new. I did what I could and I have nothing left. They offered a settlement, I took it, now they want more. Help me please. I have had my XXXX and they are bombarding me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp.
State: TN

Complaint narrative:
senex services a collection agency put a derragatory mark on my credit reports when i called to inquire they gave me an account number and oringinal creditor info. i went to the oringinal creditor and they stated they have no account numbers to match that for me and i have a balance of zero. when i contacted senex services and asked for validation of debt he said that he didnt have it that it would take him a couple of months. I want the entry removed from my credit they never contacted me by mail or phone and was very rude when i called to inquire basic information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education Services does not provide an accurate depiction of the monthly installment for minimum Payment in the Statements for when Payment Amounts change. With this being the case, I have noticed many discrepancies with what individuals from the company state in terms of these installments. This is throwing off payments being scheduled through their online system. This also leads them to think that I 'm unable to pay the Loans. They need to be transparent in how they report what is due each month and correspondence alerting borrowers of any changes should be communicated no less than 30 days from when the change goes into effect or when the new Amount change is due. 

In addition to this, they 've been sending payment requests to any and/or all co-signers even AFTER I 've made the required payments. If this is repeated, I will seek litigation for harassment, as they should be made aware that contacting other parties asking for payments to be made when I 've already done so is unethical and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/2010 with a XXXX balance and still showing on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Resolve Partners, LLC
State: FL

Complaint narrative:
Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me. 
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes. 
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES
State: TN

Complaint narrative:
I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 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:
I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: MN

Complaint narrative:
Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WESTERN MASS CREDIT CORP.
State: CA

Complaint narrative:
Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: PA

Complaint narrative:
Title Max will not give me any statements or receipts for payments made on the loan or how they accrue interest for payments. It seems I am never paid down. They lost my title and then placed a lien on the car when I demanded a full account summary and transaction statement. They are leaving me threatening voicemails to repossess my car and the balance is double what I borrowed after making payments for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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:
Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
As I viewed my credit report, I noticed an unknown credit card account that does not belong to me. So I called the credit card company to clarify the situation and to resolve the issue. The company could not find any record of me having an account with them, however, they continue to lodge a negative item on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: OH

Complaint narrative:
So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help

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