vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2016 I applied for refinancing on two of my properties at Wells Fargo bank, after the initial interview from the loan XXXX he requested and authorized Appriasels on both properties at a combined cost of appr {$1500.00} for both, after the valuation came in my loans where denied based on income, debt ratio, I requested a a refund on the money spent for the appraisals after Wells Fargo sent me a letter that they wanted to redeem themselves by refunding money customers spent on unnecessary services, I contacted Wells Fargo representatives starting in XX/XX/2016, after several calls to and from myself to them, and them to me, it appears no progress has been done.i need some direction as to how to proceed with this, your time and consideration in this matter is greatly appreciated.

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 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX I called wellsfargo to speak to XXXX XXXX XXXX at XXXX ext XXXX .I left XXXX voice mail to return my call.he did not return my calls for a remodify my ex-wife made in XXXX on loan # XXXX client XXXX .it is a different amount from original amount from XXXX remodify in XXXX. I feel that there is foul play in this matter and I want answers.in the divorce decree in XXXX my ex-wife XXXX XXXX XXXX was to assume the loan and I signed over a quick claim deed where she XXXX XXXX XXXX ( ex-wife ) is responsible for the mortgage, taxes and insurance she also filed for XXXX XXXX in XXXX .why is the mortgage still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...

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 monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have applied few times to get help for mortgage assistance with my XXXX delinquent HELOC Acct 's Wells Fargo delayed the process, and kept telling me I do n't qualify for a mortgage modification with out reviewing the attached package. I am frusterated with no response from my lender, delay after delay with no request in review after I have taken time to fill out all their requested paperwork. Please help me resolve this matter - I have a hardship and I am seeking for assistance, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.

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 non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. 
They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. 
I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I would like to file a complaint against TD Bank. My loan was set to close on XXXX XXXX 2015 with a closing date of XXXX XXXX 2015. I have been requesting a copy of the final TILA or final HUD since XXXX XXXX the closing attorney stated she has still not recieved the information from the lender ( TD Bank XXXX. I have sent emails to the processor as well as have called and left voicemails for XXXX different peoplein the processing department at TD Bank. The local branch office of TD Bank has also been emailing the processor in attempt to receive the Final TILA or HUD to no avail. I have been asking for these documents because I do not know how exactly much the closing cost are going to be nor do i know exactly how much the monthly payment is. This is just absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: KY

Complaint narrative:
I called Sunwest Mortgage to see if I could pay my XXXX payment on XXXX XXXX. I 've never made a late payment in 2 years since I purchased the house. I wanted to make a payment arrangement to make sure my payment was made for XXXX ( since I 'm going through a divorce I have to pay rent, mortgage and child support now ). They were not at all compassionate about my situation. They said if they did n't get the principal by today, I would have a negative mark on my credit report, they would send an intent to foreclose, and I would have to make 2 XXXX payments. 
I think this is totally unfair. Again I have not missed a payment in 2 years. 
I 'm going through a financial hardship with my divorce. The " intent to foreclose '' is not true, the house is on the market and I do n't intend to miss any payments until it is sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TMX Finance LLC
State: AZ

Complaint narrative:
Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with TD Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I applied for and received a TD Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under " review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe TD bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at TD Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had multiple conversations with the Navient where I was not given a choice of paying as much as I could towards my loans. It is already terrible enough that students have to be in debt tens of thousands of dollars from higher education, however the lender gave no options of lower payments when I could not pay their minimum payment. We would discuss my bills ( I live in NYXXXX ) and I could not afford their monthly payments. This negatively effected my credit score, thus making my life very difficult. Even when I lost my job, the phone calls kept coming. They harassed me and my co-signer. My credit is now below XXXX. I had a choice to make, pay my student loans or pay off my credit card debt I accrued from losing my job. I paid my student loans and in order to stop the phone calls and now I am still struggling with my credit card debt and terrible credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval therefore, I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. It appears as though management and or other personnel employed by the apartments allegedly took the photographs. The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments therefore, I hereby request that the charge for damage to the carpet in the apartment be removed from my XXXX credit report. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because the lease ended on XXXX XXXX, 2014 and XXXX XXXX, a realtor in the State of North Carolina and manager of the XXXX XXXX Apartments in XXXX, NC used a writing instrument to manually change the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge or permission. 

I hereby request that the charge for carpet damage be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in the OBLIGATIONS OF FURNISHERS UNDER THE FCRA because after vacating said apartment, I hired an apartment cleaning service to clean said apartment, and I hired a carpet cleaning service to clean said carpet. After management and maintenance personnel from the apartments examined and approved the condition of the carpet and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

I hereby request that the charge for rent for the month of XXXX, 2014 be removed from my XXXX credit report on the grounds that Resolve Partners, a collection agency, failed to vet this case properly according to the rules and regulations as outlined in t

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. 
This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
For a {$600.00} loan been paying for over a year. My supposed payments were not payments but the interests payments. This to me is deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This complaint is in reference to my account at TD BankRouting Number : XXXXAccount Number : XXXX opened a TD Convenience Checking account on XXXX XXXX 2015 with a deposit of {$100.00}. 
One of the requirements for this account is to maintain a balance of {$100.00}. 
I have never made a withdrawal from this account. 
Due to a bank error with their website/back-end I was unable to sign up for online banking online. This forced me to go into the branch to get online banking setup. By this time the first statement had closed and I was charged a {$1.00} " Paper Statement Fee '' on XXXX/XXXX/2015 which caused my balance to drop to {$99.00}. 

TD recognized this error and refunded the {$1.00} within on XXXX/XXXX/2015. 
The problem is, however, that this caused my average daily balance for the statement cycle to be below {$100.00}. This caused their system to charge a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

TD again recognized this error and refunded the fee on XXXX/XXXX/2015, however, again the " average '' daily balance was again below {$100.00}, and thus generated a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

Again TD refunded the fee on XXXX/XXXX/2015. To stop this cycle they had created. I added an additional {$100.00} on XXXX/XXXX/2015 to make sure the average balance could not go below {$100.00}, but they charged the fee again on XXXX/XXXX/2015. 

This time they are refusing to refund the latest {$15.00} Fee even though this whole ordeal was originally caused by an error on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.

Company response to consumer: Closed with monetary relief