vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 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:
On XXXX/XXXX/16 I called TD Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: FL

Complaint narrative:
TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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:
Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. 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 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: PA

Complaint narrative:
XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.

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 2015-03-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am writing you to lodge a formal complaint to TD Bank regarding the sudden, unjustified closure of my TD Cash Rewards credit card account. 

When I opened the TD Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for " Earn 5 % cash rewards statement credit on eligible purchases with your TD Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called TD bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment. 
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015. 
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter. 
I request that all payments be applied to my account and foreclosure proceedings ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: WI

Complaint narrative:
I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i called TD Auto to try to have a payment ( XXXX XXXX, 2015 ) skipped for a hardship. I am having XXXX on Wednesday XXXX/XXXX/15 on my XXXX and have to apply for state XXXX. I was denied the extension because i could not provide a date that i would have the funds from XXXX to make a payment. I just found out yesterday that i was having XXXX on my XXXX. I see the doctor again on Tuesday, XXXX/XXXX/15 and will give him the XXXX paperwork to complete, then my employer has to complete it. After my employer completes the paperwork it is sent to the state and the will process it " within a few weeks ''. My car payment is due on XXXX/XXXX/15 and i was asking to skip that payment until my XXXX starts. Unless i can provide TD auto with an exact date I am going to be paid XXXX the payment can not be skipped. If i find out that the XXXX will be paid on a certain date after the payment is due I can not skip the payment becaus the account is wo n't be current. this makes no sense to me. I have to have the XXXX to skip the car payment? i am asking to skip the month while waiting on XXXX. They offer hardships but do not actually provide it to the customers. I have paid them ontime for over XXXX years now when i need some help i am denied over the phone and they cant even provide me with a writen notice of the denial. I told them that i can provide documentation that i will be out of work from my doctor but all they care about is when will my next income be coming in. I was on hold for over XXXX minutes after talking to XXXX XXXX at TD Auto to be told i dont qualify. XXXX years of ontime payments and XXXX does not qualify someone to have a payment skipped for a hardship, i dont what would qualify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northern Alliance Management, LLC
State: KS

Complaint narrative:
About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: Northern Alliance Management, LLC
State: CA

Complaint narrative:
I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WY

Complaint narrative:
I have a student loan from XXXX XXXX XXXX University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at XXXX XXXX University for a XXXX in XXXX XXXX. 
ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. 
I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email in late XXXX that I am in deferment from XXXX to XXXX Then they reported me 30 days late to the credit bureau on my account on XXXX XXXX.

Company response to consumer: Closed with explanation