vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-15 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 debit card claim was made with TD Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
Sterling Infosystems XXXX, OH XXXX The above company conducted a background check for a potential employer. They reported a forfeiture u violation as a felony to the company. They did not reach out to me prior to publishing these results. An example of a forfeiture u is a speeding ticket so there is a huge difference between these violations and felony. 

When I called in to dispute I found out they did not have a phone number on file, a correct address, or an email. I received no opportunity to dispute prior and they published the results to the company before contacting me or providing the report. 

They have acknowledged their mistake and said they will file an amended report. However the damage is already done and it is too awkward a situation for me to step into with the company. 

They offered no apology during the process and did not seem to understand the severity of their mistake. 

I still have not received a copy of the report either the initial one or the amended via email or in the mail. 

Please let me know if you need further information for the complaint to be filed. 

XXXX XXXX

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 2016-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I open a credit card in the store with Target two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00} when the original charge was XXXX. I explained that I never received any statements Target mailed me copies of the statements that they received back return to sender because Target had the wrong address for my home address and instead of calling me two years ago to correct the situation they just ignored the problem. When I called target they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call target back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} Target was rude and did not try to assist me in anyway. XXXX said over and over again that Target will not settle the amount when it is a bank error and it is affecting my credit reporting the wrong balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.

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 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. TD bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks TD bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by TD Banks acceptance of the forged checks. I want TD Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: UT

Complaint narrative:
The balance on my student loans is not accurate and have submitted a discharge application but all my supporting documents including bank statements were rejected and not used to make a decision by Great Lakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
A couple of years ago, I made a XXXX purchase on a Target Credit Card at Target. {$35.00}. 
I then went o XXXX until XXXX. I found the {$35.00} in the mail upon return, now being charged $ 100+ in late fees. I paid it in full after getting one month payment voided, then tore up the card and forgot about it. Recently I learned that this is the only delinquency on my credit report, and that the amount is not specified, classified as a " serious '' delinquency, and XXXX tells me it will be on my report FOR 10 YEARS! Nothing they can do, nothing Target can do, so they say. Can you change this? Can you get effect a rule change whereby delinquencies below a certain amount are treated less severely, like under {$100.00}, must come off the credit report once paid, and maybe a sliding scale based on the amount and time of debt owed, like $ XXXX-2 years, XXXX $ +, 5 years, etc. Please respond, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advantage Financial Service LLC (Idaho)
State: MT

Complaint narrative:
Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: PA

Complaint narrative:
Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Several years ago I leased a car from Chrysler Financial. I defaulted on the loan. Chrysler Financial ceased to be an entity a couple of years back and their accounts were taken over XXXX by TD Financial which was the successor to Chrysler. The statue of limitations according to the law mandates that it be removed from my credit history as of XX/XX/XXXX. It was removed from XXXX and XXXX this year and not XXXX. The problem here is that the XXXX report only lists TD Financial as the lending institution not Chrysler Financial and are reporting the wrong date. They claim it is XX/XX/XXXX. I disputed this with XXXX but as Chrysler Financial is no longer in business and the information to XXXX was submitted by TD Financial they have to go by the TD Financial submission as the have no record of Chrysler, only TD. I have submitted evidence from the original lender from the other XXXX credit reporting agencies clearly showing Chrysler reporting the first and last delinquency of XX/XX/XXXX where as TD ( the exact same company ) reporting it as XX/XX/XXXX. Clearly they are lying. I have repeatedly tried to have this item deleted by writing to them, to the credit bureau ( XXXX ) but they stand by there claim of initial first delinquency even after I sent to them the submission by Chrysler Financial to the other XXXX bureaus. I am asking you to review the information which shows the liability of TD financial. 
I am submitting documentation from TD financial and XXXX ... ... ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against 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 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.

Company response to consumer: Closed with non-monetary relief