vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date. 
I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required. 
Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}. 
I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense. 
Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to TD bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her TD bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, TD bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and TD Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, TD bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
scammed by someone saying they were IRS.Sent moneygram from walmart

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation
State: NC

Complaint narrative:
I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.

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 2015-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I completed a money transfer today XXXX/XXXX/2016 to XXXX and had been notified by the recipient that there is no record of the transfer. After tracking on the website it states that there is no record of the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My wife and I have a mortgage with M & T Bank. We are repeatedly being told we must go to our local branch to verify our personal information. We went over there in XX/XX/2016 and now we are being told we have to do it again. In close to 10 years with Hudson City Savings Bank, which they recently purchased, we have never missed a payment or been late. Our credit rating is exceptional and we have considerable amounts in our savings accounts. I believe that this is a thinly veiled attempt to get us into the branch to sell us additional products, which we are not interested in.

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 2015-10-26 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 I initiated a bank transfer via Monoygram to someone in XXXX XXXX from XXXX. It was a direct transfer from my bank account at XXXX XXXX to my niece 's bank in XXXX. Moneygram reversed the name and unfortunately my niece 's bank rejected the transfer. I contacted Moneygram and they confirmed that the deposit never took place and promised to credit my XXXX XXXX account for {$100.00}. This happened more than 3 weeks ago and still no credit. I 've called three times and they promise me every time that my credit will appear the following day and as of yet, they have failed to issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

Best Regards, 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 2015-06-04 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have paid of this debt, with documentation, and it is still on my credit report as balance not paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I tried to set up by-weekly payment with Ocwin, but even through the website list by-weekly payments as a option no method exist to set it up. I called and the person I spoke to could not set it up either or could she direct me to a person who could. I believe this is fraud on Ocwin 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.

Company response to consumer: Closed with explanation