vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Live Well Financial, Inc.
State: PA

Complaint narrative:
House has been vacant for years in violation of reverse mortgage. Association assessments have not been paid for years ( also in violation of reverse mortgage ). 
House has not been maintained. Water is penetrating the exterior shell. As a direct result, the XXXX immediately adjacent townhouses are at risk of water penetration also ( which may have already occurred ). 
We are a small homeowners association, and can not afford the additional burden of a non-paying unit. 
Foreclosure was formally halted more than a year ago without notice or explanation. Foreclosure was reinstated in XXXX 2015 but is presently stalled without notice or explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: NC

Complaint narrative:
I have run into them taking extremely long to process IBR paperwork making my loans be in a forbearance status longer therefore collecting more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the payment is being taken out, the burden is on me to try and remember what account was set up initially ( which could be many years prior ). This is an undue burden upon consumer. The credit card issuing company 's system need to be fixed and confirmation details also need to be updated to reflect the payment sources. Without it, the consumer is on the dark and unnecessary fees and credit reporting issues is being incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.

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 2016-05-02 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 have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by TD bank Fraud department that my TD bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with TD bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. TD-bank account number # XXXX This account is closed by TD-bank. Since I 'm not getting any where with TD-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay TD bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: AZ

Complaint narrative:
My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: AL

Complaint narrative:
My mortgage company does not have proper documentation of my previous mortgage, and the Termination Statement according to UCC 9-513 was never recorded in my county 's registars office. I refinanced with the same lender and now the old mortgage doument has vanished. Then my security on the Note was sold, without notifing me, nor filed according to the regulation. My current mortgage is insured with a title insurance company, with makes the selling of the Security Insurment invalid. The current investor avertisement states, " We only pool uninsured VA/ FHA loans. '' This is fradulent activity and I would like the return of all principle, interest, per diam, and security interest returned to me, and my Note that was sold without my knowledge. Revocation of the power-of-attorney is waranted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hauge Associates, Inc.
State: SD

Complaint narrative:
I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I recently had a problem with Bull City Financial Solutions in which I submitted a claim to you previously. The file number was XXXX. I had an issue with the representative because the agency notified third party for me to contact the agency when I was making consecutive payments of {$20.00} to the agency each month. Since then, I had an judgement placed upon my credit report which I read by law was illegal ; if, the individual is paying on that bill. Now, my credit score have lowered because of this. On XXXX XXXX I paid the remaining balance of {$100.00}. I received a letter from Bull City Financial Solutions that the account has been satisfied. But, yesterday, on XXXX/XXXX/16 I received notification by the NC state income tax that, that payment in the amount of {$100.00} had been deducted from my refund already. So, I called the same collection agency that harassed me for the money faster than I could pay it off requesting my refund. I was told I would have to obtain it from XXXX. Imagine how I feel right now???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp has not provided me with a HIPPA release. A bill is not validation. The bills speak of insurance agencies I have no affiliation with. Reporting XXXX invalid accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed