vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXX This account was paid in full in the amount of {$2600.00} following my phone conversation with Latresea on XXXX XXXX, 2016 approximately XXXX XXXX. The funds were released on XXXX XXXX, 2016, 13 days before due date. I have done my due diligence and will forward this information to Consumer Financial Public Bureau and the XXXX. 
Please adjust your records and close this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: NY

Complaint narrative:
I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Senex Services Corp.
State: OH

Complaint narrative:
This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GREAT LAKES
State: FL

Complaint narrative:
I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: VA

Complaint narrative:
Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 2015-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC
State: NV

Complaint narrative:
This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I OPENED A TD BANK ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, TD ASSESSED ME " OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, " DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, " ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-TD ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, " THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Westcreek Financial
State: SC

Complaint narrative:
I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 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: MD

Complaint narrative:
I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 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: CA

Complaint narrative:
I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. 
I need a reply before my forebearance is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!

Company response to consumer: Closed with explanation