vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender damaged or destroyed vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 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: NJ

Complaint narrative:
I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CCB Credit Serivces, Inc
State: CA

Complaint narrative:
went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA

Complaint narrative:
Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report

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 2017-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. 
People in lower income brackets can not afford this it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet is still in violation of FCRA, None of my loans are THE SAME on XXXX or XXXX. My XXXX only has XXXX Nelnet accounts, and the other ones were deleted because the validity is incorrect. I 've disputed multiple times, reported to multiple organizations, I 've even contacted the ombudsman and no one has investigated. XXXX loan on XXXX has XXXX late pays on XXXX it has XXXX and on XXXX it does n't appear. I 've asked Nelnet to send written proof of the delinquencies and they have not. I 've asked Nelnet for copies of the signed contracts between them and my original servicers and they have sent no such thing. Now Nelnet number XXXX core value is the " customer '' but that 's not the case. They have offered no customer service and any dispute the just sent the typical " script '' reply message without any investigation. I need a supervisor and someone in the executive office to handle this ASAP. Every month that I have disputed there HAS BEEN AN UPDATE OR CHANGE which shows they do NOT have the files or info, which is WHY they ca n't sent me any contracts. The next step is to file in small claims court AGAINST NELNET AND THE BUREAUS, because NONE of the governmental agencies are helping as this subject is important. I have every letter that Nelnet sent and every dispute which shows an updated status EACH time. Please delete all Nelnet account from credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 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: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
We applied for a mortgage loan at td bank XXXX. They are not following through. Our representative does not return calls or emails from us or our realtor, and I now have no confidence that our loan will close in the near future. We escalated to her supervisor and were told any delays were our fault and a lack of communication and that we needed to call her, not that she answered, so we just left her another message. After leaving 2 messages she called and we happened to be at our local branch so we got on a conference call go over the papers that were emailed and had point out that the ones she said were missing were in the email. Every time we do reach our representative to get an update, she informs us that we are missing information and we are given a new list of things to send. Our assigned lawyer called us to say he does not work in the area where our property is, and the bank was not returning his call. Our assigned appraiser does n't work in the area either, which we found out when our realtor called the appraiser to get a status. Neither of these issues has been addressed at this point. Our closing was already postponed from XXXX XXXX to XXXX XXXX, but with out a scheduled appraisal there is no way they will make that date. To top it off, she told us we had to have a standard rate lock signed for them to proceed with the loan, so now if we cancel we will own them more money than we would to complete the loan. At this point we are ready to cancel and go with another lender, not because we do n't want a loan, but because they have given us reason to believe we are wasting time working with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Adjustments Inc
State: FL

Complaint narrative:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to close my account with TDBank but every time I tried I was thwarted. I believe this was intentional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know, but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed, no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: E*TRADE BANK
State: VT

Complaint narrative:
My wife and I file joint tax returns and refunds are issued to both of our names. Federal refund is deposited electronically to the account I specify in Tax Cut software. State of XXXX issues a check that I usually deposit to my account. We do that over a decade. There was never an issue with that. On XX/XX/XXXX I tried to deposit such check by phone to my account ( at E*Trade Bank ) but it was rejected as unreadable - that seldom but sometimes happens. I called them and they said I have to mail it in. But when they received the check, only then they said they could not deposit it to my account, because it was issued to both me AND my wife. This despite they deposited those checks for 15 years every XXXX without a single complaint, and despite me being their customer for even longer than that, and despite both me and my wife have accounts there linked on-line. They suggested that the check may be deposited to our brokerage account since that account is joint account in both of our names. However, a day had passed and I do not see the check deposited in either my checking account or our joint brokerage account. I got an email with the PDF form referring to the name change without explanation. I understood they want my wife to file the name change - because at that bank she still uses her maiden name, and on this refund check she already has my last name. But she did not change the name at marriage, and that change was therefore not recorded on the marriage certificate. She changed it at naturalization. And besides - I am with the form in XXXX, and she and her signature are in XXXX - maybe sometimes during the summer she will find the time to deal with that name change. But we need that check deposited or cashed yesterday, not sometimes in the future. Now their agent can not locate our physical check - she only sees the image of my rejected mobile phone deposit. Which leads me to believe that they were not completely honest with me when they told me the mobile deposit was rejected for readability. If they spoke up about the XXXX names issue, I might have handled the situation differently. But now they are in possession of our check and they are finding an excuse after an excuse for not depositing it, and finally they lost track of it. This is an outrage. They should be held liable for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: OH

Complaint narrative:
The loan was with Great Lakes I paid they transferred to another agency now they transferred to malt her agency o ca n't get any info I get no bills and they keep taking taxesi called the XXXX collections they said another has it I have no info!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.

Company response to consumer: Closed with explanation