vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Senex Services Corp.
State: KY

Complaint narrative:
i entered the XXXX in XX/XX/XXXX for XXXX i was never asked for insurance or asked if my info was correct i was treated and released then XX/XX/XXXX i went to the hospital billing and asked why i have a {$2500.00} collection, the lady said after i was treated i " just walked out '' she said they ask for insurance after treatment, thats never happen like that before, so they bill a old insurance that i had back in XX/XX/XXXX not the current insurance i had at the time of the treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Resolve Partners, LLC
State: MO

Complaint narrative:
I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2016 I went into a TD bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the TD Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ

Complaint narrative:
I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 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: TX

Complaint narrative:
This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CCB Credit Serivces, Inc
State: IL

Complaint narrative:
Someone identifying themselves as XXXX XXXX at CCB Credit Servuces call my employer on XXXX/XXXX/16 at XXXX XXXX. Number has never been listed as a contact on any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
I paid off a XX/XX/XXXX from AutoTrakk XXXX. The agreement was XXXX dollars to close the account. I kept the arrangement and paid the monies as requested. Auto Trakk updated the credit report to say Paid, Closed. However Since then Auto Trakk has been reporting on my credit report for 10 months last reporting was XXXX. Causing my credit score to go down XXXX points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 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: NH

Complaint narrative:
TD bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES
State: VA

Complaint narrative:
I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was banking with TD bank and there was fraud done to my bank account. Someone deposited into and then withdrew from my account. Upon their investigation they verified it was not me who did the transaction. It was not me who made extra fraudulent charges. I had never made transactions similar. The signature was not mine. I was in a completely different XXXX when the incident took place. They promised me they would redirect my payroll check into another account for me also. They then decided that since the person knew my pin number that i was liable and they took my check and made me responsible for the transactions. That is totally unfair to me. I was not responsible and they had no proof or a reason to hold me accountable. There are several ways scammers can access another persons pin number. i had been a loyal customer and a upstanding citizen then and until this very day. now i cant get a bank account, they took hard earned money from me and they ruined my name and reputation to other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: MI

Complaint narrative:
I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX

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 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Avadyne Health Holdings, Inc
State: OK

Complaint narrative:
I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. Thank You.

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