vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I am submitting a complaint in regards to a background check performed by Sterling Infosystems. I had recently applied for employement with XXXX for a warehouse job in thier XXXX California location. Staff Management/XXXX is the contracted company used for hiring process. I qualified for every step in the process until the background check. Sterling Infosystems is also contracted to do the background check. I recieved an email and regular mail copy of the background check and the " Notice of Adverse Action '', disqualifying me for employement. The " Criminal Background Check '' information was correct. The problem was that this information was not only misinterperated but due to the in ability to read and understand the court doc info the agency or Staffing company both tagged the information as " High Risk ''. The court dcoument were transcribed, are not an Official Signed copy of the original court docs. Sterling Infosystems claims that there are XXXX ( XXXX ) seperate charges of a XXXX ( c ) XXXX, that is incorrect. The information shows XXXX Docket/case numbers which represent " Transfer of Juricdiction '' from XXXX California to XXXX California. This is due to my moving to another county. The Incidents are the same within 1 day, again typo error. In the " Additional Information '' field you see the transfer to XXXX XXXX but is the same case/charge. Both Sterling Infosystem and StaffManagement XXXX were made aware of this problem vis a phone call using XXXX XXXX of Staff Management and XXXX from Sterling Infosytems on Thursday XXXX XXXX. I have not had any further contacts with Sterling or XXXX regarding this issue. I am troubled that the background check company was neglegent/incompitent in reading the court document and risking my employment with XXXX. Once again the information on criminal background check is correct but was not interpreted correctly by said professionals. I want this claim investigated and all parties made responsiable for this crime in it self, fraud claims, to correct thier said expert positions in background checks. Same goes for Staffing ManagementXXXX, they too did the same or may seek damages for violations to FCRA. 

Sterling InfosystemsXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Management XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX, Illinois XXXXXXXXtele ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Td bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was reviewing my credit reports and discovered a fraudulent " TARGET CREDIT CARD '' on my XXXX credit reports and XXXX report. I reported this fraudulent activity to the police and FCRA, and the US attorney general office, I want this Fraudulent activity deleted from my credit profile effective immediately. pursuant to the laws of FCRA 605B ( 15 U.S.C. 1681c-2 ) a fraudulent account has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Prince Parker & Associates
State: PA

Complaint narrative:
I was contacted by a debt collection agency. I notified the representative that I would like to dispute the debt because I did not owe the amount. The representative stated she would only mark my account as a refusal to pay. I stated multiple times that I do not owe the amount and she refused to acknowledge it and stated I am just refusing to pay.The representative then stated this call is over and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
i have a transaction on my rushcard of {$140.00} on XXXX XXXX, 2015 that I did not authorize! I was already locked out of my account and could not receive my direct deposit and pay my rt i need my rent, car note or put gas in my car to get to work. I have tried calling to dispute this transaction and ask how could they let this happen? Ive never had this problem before. But I need my money to buy food for my XXXX year old and formula for my XXXX month old and I have to pay my cable bill as well. I do not feel that my funds are safe with rush card. I really need someone to contact me ASAP because my balance is now {$1.00} and I want to know where this transaction came from I am livid! All rushcard services keep doing is hanging up on me and I feel extremely disrespected!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 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: Arnold Scott Harris, P.C.
State: IA

Complaint narrative:
Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate XXXX in XXXX XXXX, IA in XXXX of 2014, which the details of the violation are inconsistant with Chapters XXXX and Chapters XXXX code of Iowa XXXX the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter XXXX Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the XXXX place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opted out of overdraft charges for my account, so if it does not have enough money, decline any transaction. Much to my surprise they are telling me that their fee is exempted, so the bank disregarded my request and sent my bank negative by {$5.00} for their bank fee, then they sent the account further negative by {$20.00} because they said the account is negative for 10 days. They could make it very clear and point out that their fees are exempt and if not cleared up in 10 days, that you will be charged 3600 % per anum. I asked for the account to be closed down if this can not be corrected and they told me they can not until my account is negative for 80 more days and accessed {$160.00} more fro a total of {$180.00} in overdreaft fees, then they will chrge it off, close it down and send me to a collection agency. This is deceptive, unconcionable and needs to be corrected immediately. 
If you can not remove the overdraft fee fro charges I opted out of, then plase close down by accounts as of today, XX/XX/2015Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: CA

Complaint narrative:
The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.

Company response to consumer: Closed with explanation