vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: Regional Management Corporation
State: SC

Complaint narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form.

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 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: E*TRADE BANK
State: NC

Complaint narrative:
A stop payment was requested for funds being taken from our account which the bank issued and then allowed XXXX to remove the funds from our account in the amount of {$160.00} and {$130.00}. When I noticed that these funds was removed from our account I called the bank who stated that their is nothing that can be done because the way that XXXX went around the stop payment request that was filed with the bank. This goes to the other complaint that was filed with your office in early XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 2016-11-18 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: WV

Complaint narrative:
Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??

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 2016-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northern Alliance Management, LLC
State: MD

Complaint narrative:
Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed from my credit report.

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 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 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: NJ

Complaint narrative:
So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 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: MD

Complaint narrative:
Message to TD Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : TD CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 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: PA

Complaint narrative:
TD Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: MA

Complaint narrative:
Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: FL

Complaint narrative:
I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have attached a detailed letter outlining the issues along with the appropriate paperwork. 

But basically, XXXX XXXX XXXX had a promotion, XXXX months same as cash. Furniture delivered would n't fit, manager agreed to allow me to return it. I wanted to return right away so I would n't be billed, and to ensure I could find something else I liked. He asked me to hold it in my home until I picked something else out and they would pick it up when they delivered the new furniture. This all happened about XXXX weeks later. I immediately shrink wrapped the cloth sofa and ensured that no one would sit on it since it was being returned. The same day I finally received my furniture I was billed at the same time and I have been trying every since then to explain I should not have been billed for the original furniture that they agreed to have returned but who also told me to keep in my home. 

Secondly, as I began to complain that I was billed incorrectly as I never took possession of a bed ; that the billing due date was not correct it was associated with the original furniture ; and that they had been charging me late fees based on the original due date ; I eventually had a collection agency calling me and finally they sent derogatory alerts to the credit bureaus stating I was XXXX days late each time. 

I was told I had to file a dispute which I did in XX/XX/XXXX and this process has continued with no resolution. 

I met with the store manager and he agreed that there was an error they still showed that I was responsible for a bed that I never took possession of. But he told me he could n't do anything about it. 

I never received anything about how this loan process would work, penalties, etc., until finally after my visits back at the store, my disputes filed twice, the repeated phone calls to XXXX XXXX XXXX Corporate and finally a company called TD Retail Services which the actual loan was processed through ( which I was never told ) this TD Retail sent me paperwork on XXXX XXXX XXXX, 2015 outlining the details of the loan. Had I know the loan would not be with XXXX XXXX XXXX, I would have never taken the loan and/or furniture. They totally deceived me. 

I felt they sent this on XXXX XXXX, 2015 to cover themselves. 

I felt the entire process was deceiving by XXXX XXXX XXXX. I do n't trust XXXX XXXX XXXX nor this company and I really do n't want anything to do with any of them further. 

I requested several times to speak with someone to address these concerns but all I kept getting was I need to go back to the store ... and the store needs to correct everything. The store kept telling me I need to go back to this TD Retail Credit Card company. Forget XXXX XXXX XXXX XXXX, they simply did not want to get involved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: CT

Complaint narrative:
My additional loan payment was incorrectly applied despite my explicit instructions to allocate 100 % of my additional payment to the loan with the highest interest rate. I made an additional ( extra ) payment of {$180.00} on XXXX/XXXX/2016, which I specified be 100 % applied to loan token # XXXX. The amount applied to principal was only {$200.00}. On XXXX/XXXX/2016 I also made an additional payment of {$180.00} to that same loan ( # XXXX ) and the amount applied to principal was {$200.00}. 

As is typical for any loan, the payment amount applied to principal increases as the loan matures. This can be confirmed by referencing the amortization schedule for the loan. 

Please explain how I am making additional payments and the amount being applied to the principal is less than the month before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: MD

Complaint narrative:
I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.

Company response to consumer: Closed with explanation