vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: WA

Complaint narrative:
I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.

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 2016-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TMX Finance LLC
State: TX

Complaint narrative:
Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. 
You ask who they are and they get really rude and aggressive. 
After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. 
I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: NE

Complaint narrative:
We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 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: WI

Complaint narrative:
My student loan payments were being applied to a loan that did n't exist during a period of time in the beginning of my loan payments. The loan company thanked me for catching this error but did n't move the payments back over. I 'm not sure where the money went but I was then told I was well behind on my monthly payments. Again, payments were being drawn out and applied to a loan that does n't exist. On numerous occasions through XXXX they 've pushed forbearance as an only option for me with my student loans. I 've tried income based payments but whenever I gave my amount ( XXXX ) they 'd always tell me that I made too much to help lower my payments which then put me into forbearance. Currently there is a loan out there for " {$2500.00} '' that now is going up at 24 % a year in interest but I was only made aware of this loan in the past 6 months but it 's apparently from 2009 and the creditor is the XXXX. I ca n't get proof of the loan paperwork nor do I recall ever taking a loan out through my own University ; plus I 'd of never applied for a {$2500.00} loan due to not needing those funds. Now this loan has gone up to {$5000.00} and increasing each year until it 's paid off. I 've tried to work with the XXXX but have gotten nothing but payment requests back. The Agency used my resume from a job application in Michigan to track down my employers and ask them if I was still employed. Consistently harassed by phone calls for payments I 've stated I ca n't make, documentation sent out for wage garnishment. The Agency harassing my parents for payments or work information. After looking at all my Federal Loans Online the amounts listed are much more than would be required for schooling and no matter the amounts paid there is no relief in sight to get help moving the balances down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: North Shore Agency, LLC
State: CA

Complaint narrative:
I changed phone providers XXXX. I received a closing bill from XXXX wireless that included monthly service fees through XXXX/XXXX/15. XXXX agreed to prorate those charges. When I received the new bill the data charge of {$140.00} was not prorated so I withheld it from my remittance. I was referred to debt collectors even thought the charge was in dispute. My credit report has been impacted and XXXX is still trying to collect {$50.00} that they agreed I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: TX

Complaint narrative:
Hello, my student loans have been repeatedly sold and each new lender can not provide information on previous payments and interest paid. I feel like my loans keep getting escalated and now the total amount due is overstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.

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 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Universal Recovery Corporation
State: VA

Complaint narrative:
Called employer and told them they are a debt collection service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mortgage Lender Services, Inc.
State: CA

Complaint narrative:
Sunrise Assessment services repeatedly made numerous collection violations and errors in their collection practice by failing to properly notify of attempted debit collection by Sunrise Assessment services to the proper party. Sunrise failed at any attempts to ensure accurate records of party 's contact information and address in order to make proper notification and attempts of debit collection. 

Additionally it is believed Sunrise Assessment services illegally disclosed and discussed debit matters with persons other than parties pertaining to claimed debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I took out NJClass student loans through HESAA during my time at XXXX in XX/XX/XXXX-XX/XX/XXXX for which my mom was a cosigner. The initial loans we took out totaled approximately {$80000.00} w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in XX/XX/XXXX. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( XX/XX/XXXX ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. {$130000.00}. 
During the course of her bankruptcy, HESAA did not contact me ( the direct loan borrower ) to inform me of payments, increased interest rates, and that the loans ultimately went into delinquency until my mother 's bankruptcy ended. 
My mother paid up currently to get them out of delinquency as of this month ( XXXX XXXX ). 
I am trying to consolidate the loans and maybe refinance them, as my current monthly payment is {$1000.00}, which I ca n't realistically afford. 
During the time of my mother 's bankruptcy she tried to consolidate the loans but they were never accepted yet NJClass continued to run up the interest on the loans without informing my mother or me. 
NJClass loans are private, which limits the options borrowers can look into for repayment. HESAA does not offer any loan forgiveness or modification programs. They also do not offer income-based repayment plans for NJClass loans and they refuse to work with borrowers to offer more affordable monthly payments. They only offer consolidation. I tried to consolidate the loans directly under NJClass and was denied approval based on my income. 
In short, I 'm looking to get the loan payments down to something manageable so I can work towards paying off the debt but this is extremely difficult when legislation favors HESAA and the bills regarding NJClass loans still will not help many people in my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: KS

Complaint narrative:
United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
My matter is not a payday loan but I was instructed by your representative to select that option. I received a notice of a lien on a vehicle that I have already transferred ownership of. I contacted the company to inform them that I was not the registered owner and they informed me that there was " no way to get out of paying the money to them. '' They told me that because they 're documents stated I was the last owner I would have to pay the fee. I informed them that I had the receipt of transfer of ownership that I filed with the XXXX, they informed me that that would not be acceptable proof. I spoke with a XXXX representative and they informed me that my recite of transfer of ownership should be sufficient enough. I contacted the company again while at the XXXX and the lien company representative said I would have to " order a XXXX $ XXXX and request for record, fill out section C '' and mail that to the XXXX in XXXX. He continued to detail an extraneous process of proving that I am not the owner of the vehicle which the XXXX continues to inform me is not necessary as I have a physical receipt. The lien company representative threatened that my credit would be negatively effected because they would put the balance of $ XXXX on my credit if I did not pay the lien for the vehicle. The XXXX informed me to file a complaint. The total amount of the fee is {$2200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMORGAN CHASE is reporting my auto loan erroneously to credit bureaus. They are reporting a Ch. XXXX bankruptcy when this is not true. I paid a {$10000.00} downpayment and paid off the loan early. This account was not in any bankruptcy. I contacted Chase Auto and my account has been archived as it was paid off years ago. They refused to verify the information and did not have any data or payment history of my loan. This loan had XXXX late payments. I paid additional to the principal until payoff. 

I have complained about this issue on numerous occasions but this has not been corrected to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This agency still has my wife 's account listed on my credit file. Enough is enough XXXX states they verified through Chase this account belongs to me which is FALSE information and has hurt my credit rating. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.

Company response to consumer: Closed with explanation