vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 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: NJ

Complaint narrative:
Great Lakes Student loan reported 90 day past due to the credit reporting agencies bring down my credit score by XXXX points - they have my account listed as the last payment in XXXX 2016 when I made a small payment recently just to submit a payment. And I applied for forbearance as well. The information they are providing to the credit agencies is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Altisource Portfolio Solutions, S.à r.l.
State: TN

Complaint narrative:
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
My wife and I applied for a {$270000.00} home equity line of credit from TD Bank to be secured by our residence, which had appreciated in value since our previous financing. In order to qualify for the HELOC, TD Bank required us to refinance with TD Bank the existing, 30-year fixed rate mortgage we had with a different lender. We agreed to refinance our home as a condition to the HELOC. We simultaneously closed the refinance of the mortgage and the HELOC on XXXX XXXX, 2016. 

At the simultaneous closing of the mortgage and the HELOC, TD Bank did not collect any closing costs from us. Pursuant to the Closing Disclosure prepared by TD Bank and executed by my wife and me, TD Bank gave us " Lender Credits '' for closing costs equal to {$9700.00}. This more than offset the {$9500.00} in closing costs listed elsewhere on the Closing Disclosure. As a result, the Closing Disclosure clearly stated that the aggregate net closing costs to us were - {$150.00}. 

As soon as the HELOC closed and the funds became available to us on XXXX XXXX, 2016, we withdrew the entire available principal amount of {$270000.00}. Later that same day, TD Bank drew {$9700.00} from our HELOC account without our knowledge or consent. To be clear, at the time TD Bank drew the {$9700.00} from our HELOC account, the HELOC had already been drawn down to {$0.00}. As a result of TD Bank 's draw, our HELOC was overdrawn by {$9700.00}. 

We only learned that TD Bank drew additional funds from our HELOC account once we received notice from TD Bank that our HELOC was overdrawn by {$9700.00}. Only after we spoke to a representative at TD Bank did we learn that TD Bank intended to apply the overdrawn amount to " closing costs ''. The draw by TD Bank expressly contradicts the Closing Disclosure that it prepared and required us to sign at closing. Further, TD Bank made no effort to collect from us, or draw from our HELOC, any closing costs at closing. 

Since we first received notice of the overdraw, TD Bank has threatened us with collection on numerous occasions. We have discussed this issue with various representatives of the bank but have not received a satisfactory resolution. TD Bank representatives attempt to support their position by pointing to the Closing Disclosure. This is despite the fact that the Closing Disclosure clearly states that we were to receive a credit for closing costs from TD Bank at closing. 

We are deeply concerned by TD Bank 's actions and the threat to both our property and our credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I 've been a customer of TD Bank NA ( formally, XXXX XXXX ) for more than a decade. 
Now TD Bank said they will close my accounts for no reason. 
I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of TD Bank. Also, some accounts are with my partners. They can not be closed. 
Please look into this and keep all my accounts OPEN. 
There are no issues nor concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$33000.00} to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our XXXX mortgage and chose to let the offer that ended in XXXX lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words " we may be able to release any Chase-held liens. '' In XX/XX/XXXX we received an offer of settlement from Chase for the amount of {$28000.00} to settle in full our XXXX mortgage on our home. We were still in mediation with Chase on our first mortgage and chose to let the offer that ended in XXXX lapse. During our second mediation hearing in XX/XX/XXXX, after XXXX years of trying to get a modification, Chase told us that our pooling and servicing agreement did not allow for any modifications. The same day that we learned that we would not be eligible for a modification on our first loan with Chase, we contacted Chase to try and settle our second mortgage so we could try and get a new loan on our first and retain our house. After the usual no-call backs as promised, Chase offered to settle our second loan for the new amount of {$55000.00}. I asked that the offer be e-mailed to me and I never received an e-mail. On XXXX XXXX I received a phone call from Chase. I was told that the offer for {$55000.00} was good until XXXX XXXX and any subsequent offer would be for more money. 
We are trying to retain our house. Chase is pushing us down a foreclosure path that is both unethical and disturbing. Why does the settlement offer nearly double when I contact Chase to try and settle? My house has not gone up in value that much between XXXX and XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster? 
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right. 
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error. 
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things? 
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: PA

Complaint narrative:
This is not the first time I have bern hit with overdraft fees by TD Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per TD Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per TD Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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 have a checking account at TD Bank. It is an account in both my brothers name and mine. We set the account up in New Jersey, where my brother lives. The reason we set it up was for my brother to be able to make deposits frequently into the account so that I could have money for food and also for co-pays to my doctors. I am a XXXX, so I go to the doctors quite frequently. Recently, I checked the account and realized that we were being charged {$10.00} a month because the balance fell below {$100.00}. I questioned the bank person on this and told her we were never told this when we set up the account and I did not think it was fair to have been charged {$10.00} EVERY month just because our balance would go slightly under {$100.00}. I live on a small social security check and rely on my food stamps to get food. Charging me over XXXX % a month to penalize me seems a bit unfair. I do n't think rich people get penalized XXXX % of their money each month. 
I am tired of being penalized because I am now poor. They have also started to charge me {$1.00} a month as a new " fee '' in addition to the {$10.00}. fee. This is criminal. 
Please investigate this and tell me why do poor people have to cover the administrative costs for the bank and not the rich. 
Thank you, XXXX XXXX XXXX ( age XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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: COLLECTIONS USA, INC.
State: CA

Complaint narrative:
This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: E*TRADE BANK
State: WA

Complaint narrative:
On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC
State: PA

Complaint narrative:
A company keeps calling me NE Processing LLC XXXX claiming that I owe money and they are threatening to sue me. I looked up the company and can not find they are real. It even lists them as a scam. They have my old banking information somehow, but I told them I do n't know about the loan, but they do n't provide many details. They also used different names for their company also one day its one name another day its another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 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: MA

Complaint narrative:
On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 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 was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.

Company response to consumer: Closed