vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation
State: UT

Complaint narrative:
We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I was notified by job that a garnishment order was put in affect to start garnishing my XX/XX/XXXX paycheck. I contacted the collection agency who informed me that there was a credit card issued to me in XX/XX/XXXX. I ask for the credit card account number which they could n't provide to me all they had was a validation letter from a judge in Georgia. So I contacted that clerk office in Georgia who notified me that the account was closed XX/XX/XXXX for a court order to collect garnishment. I also ask them to provide me with the credit card account number and they were unable to. This collection agency has been garnishing my wages since XX/XX/XXXX. On XX/XX/XXXX I received a certificate of clerk dissolving writ of garnishment pursuant to section 77.041 ( 3 ), XXXX My job notified me that I will get all wages back on my next paycheck. I was treated so unfair with the collection agency I explained to them that I never had a credit card with XXXX XXXX are XXXX bank by the way the credit is for a XXXX XXXX my name is XXXX XXXX wrong spelling. Can please get advise on what steps I should take next to get this resolved with the collection who garnished my wages without any proof this credit card was in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGES UNLIMITED, INC.
State: MN

Complaint narrative:
First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure.

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 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: NY

Complaint narrative:
the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCB Credit Serivces, Inc
State: MS

Complaint narrative:
They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: OH

Complaint narrative:
XXXX 2015 I want to titlemax in XXXX, Ohio on XXXX XXXX and opened a title loan on my XXXX Ford Explorer XXXX XXXX. When I did this I was able to get a loan for {$2400.00} I was told my XXXX payment will be around {$400.00} because of processing and interest fees. On XXXX XXXX I made my first payment with no problem, but when I ask about the next they told me that it will be roughly around {$400.00} anything over the interest and processing fees will go to principal and that I could not Opt to tell them that I would like my permit to go to principal. I spoke to the general manager how 's the store she proceeded to tell me that this is a " 30 day loan '' and that every day that the loan is still not completed I would have to refinance the loan so with this being done it will make my finance interest go even higher. Also just passed payment attempted to get paid 2 week extension on my due date because of a financial crisis that temporarily one of my income was being down. Now prior to this I have heard people going to the same store and get extensions or be able to do partial payment on overdue payments ... They simply had to talk to the general manager of that store to see if they can work on a temporary payment plan I was even told this when I was closing the loan with XXXX she told me just to call in and ask to speak to the general manager. Now there has been a new manager in place since then and she is not honoring that and it is putting me in even more of financial bind. Example : I asked to pay the principal due for XX/XX/XXXX which was {$370.00} .... at first one the general manager replied she told me or ask me when I can pay the rest implying that that was something possible to be done and I told her out of the {$500.00} that they were charging me since I was late on the payment that I was only able to pay the {$370.00} and pay the remainder a week later. She declined that and proceeded to ask me where can I pay the {$500.00} and that my truck can be eligible to repossessed. I told her just so my truck does n't get repossessed I would have it in by XX/XX/XXXX. I then asked her why was n't the loan process explained to me originally as the way she just explained it to me ... .she then told me at that point that it was a 30 day loan and that she would n't even get this type of loan for herself if she had to go down the avenue that I had to go there because she knows it would suck people in ... These are her own words and I will testify to that. I feel like this is a predatory loan and that it is very miss represented by its agents that process the loan. I was never given a clear estimate on how the payment was allocated to the loan. I feel as this company is increasing rates and making people pay more by refinancing these loans month it is making it impossible for people to repay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is in regards to the TD Auto Finance debt listed on my credit report with XXXX. I have disputed this collection numerous times, provided definitive documentation to XXXX, and XXXX has refused to removed this account from my credit report. As you will see in the documentation provide to me from TD Auto, the original delinquency date on this account is XX/XX/XXXX. For some reason, XXXX keeps sending me information saying it was XX/XX/XXXX which is inaccurate. My account went into collections on XX/XX/XXXX and was charged off on XX/XX/XXXX. Per FCRA guidelines, we are now at either 7 years and 6 months from the 1st delinquency date or 7 years and 2 months from the charge off date. Either of these are passed the allotted time. Please have this account removed from my credit as it has already made me delay the closing on my new home once and now I have additional interest to pay. Thank you for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp.
State: NJ

Complaint narrative:
I disputed this alleged debt via certified regular mail asking for proper validation of the claim to no avail. All I got in return is a generic letter stating that they were not gon na validate the alleged debt and that they were not gon na take any further action to address this issue. My initial letter to them was simply asking them for a copy of a original signed contract to validate the debt. If they can not produce that then by law they have to cease collection as well as remove the account from my credit report.

Company response to consumer: Closed with explanation