vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
1. On XX/XX/2016 I noticed that my TDbank checking account had an unauthorized transferred to a company called XXXX consisting of all my checking account funds. I 've never heard of this company. 
2. I went to the local branch and they made out a Reg E form to initialize an investigation and they cancelled my debit card and issued me another. 
3. I checked with VENMO and found out they are a susidiary of XXXX. It appears as if one of XXXX 's clients committed the fraud using my debit card number. 
4. I wrote to XXXX telling them of the problem. They set me up with a case number. I also gave them the last XXXX digits of my cancelled dewbit card. 
5. XXXX replied that they XXXX know of the perpetrator but could not publish it it because of their privacy policy. They did suggest I contact the police.They did say the proper procedure would be for TDbank to restore my funds and then bill XXXX who would then retyurn them to TDbank. 
6. Meanwhile, my bank 's " Fraud Unit '' said I should retrieve the funds from XXXX. 
7. I checked with TDbank 's policy regarding Unauthorized Transfers. The policy says " if you notify us within 2 business days after you learn of the loss or theft you can lose no more than {$50.00} if someone uses your card without your permission ''. I notified the bank in less tan XXXX hours. 
8. I need an advocate in this matter to restore my account. I am a retiree and that was all the money I had until the next SS check is deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: GREAT LAKES
State: KY

Complaint narrative:
I contacted before the default status settled in XXXX XXXX. 
And never has made any arrangement suitable. 
Relative importance may be XXXX XXXX XXXX and XXXX XXXX was the last job I held. 
I look forward to settling the default status and balance over the relative Iimportance of former XXXX XXXX owner XXXX XXXX. 
I was employed there from XXXX through XXXX and expect the same treatmentof {$5.00} payments for 10 mos or a XXXX time payment of {$50.00} to return to school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX is harassing me by phone and by mail with a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX ( Mortgage Loan ) and TD Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and TD Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. 
No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). 
XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. 
XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. 
XXXX XXXX XXXX XXXX ) same charges as well. 
XXXX XXXX XXXX & TD Bank have not responded with any remorse for their actiions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest TD Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he " did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
The company has been incorrectly reporting that I have an open account with them and reporting it as 30 days past due every month lowering my score. Disputes have been filed and the company has not corrected the information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES
State: OK

Complaint narrative:
I was a victim of battery, discrimination, and fraud by faculty at the University XXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX at the end of my XXXX year in 2015. Also, XXXX faculty member told me he would wrap me up in a blanket and beat me at some point in the future. According to my Federal Student Loan Master Promissory Notes all of my Federal Student Loans should be immediately discharged when I am a victim of a crime. 

Currently, the XXXX XXXX XXXX XXXX, Great Lakes XXXX XXXX XXXX, has given my XXXXCredit Bureau " bad '' information by saying I am late in making payments on Federal Student Loans. On another note, I can not get a job today, since I have been unemployed for over nine years, preparing to be XXXX in school, and do not have a XXXX to practice as a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. 
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. 
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. 
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. 
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. 
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. 
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. 
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. 
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. 
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: NJ

Complaint narrative:
I 've disputed this debt with Senex Services and the credit bureaus but Senex continues to verify the debt as mine when in fact it is n't. I requested them to validate the date which they have yet to do and to report a debt that is being disputed before the completion of a thorough and fair investigation is a violation of the FDCPA and FCRA. 
Duly noted as I request assistance from the CFPB in helping me resolve this matter correctly and fairly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to Chase. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. Chase sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: NJ

Complaint narrative:
Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending
State: CA

Complaint narrative:
I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: AR

Complaint narrative:
XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC.

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