vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Served Summons and Complaint along with letter from attorneys indicating response is voluntary. It 's very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: MO

Complaint narrative:
MyGreatLakes lender keeps inappropriately allocating my payments. Every month I make the minimum payment due plus an excess amount and I ask them to allocate the excess amount 100 % to the 'unpaid principle balance ' of a sub loan that Ive chosen. Instead they continue to NOT do this and place the excess amount towards my next due payment, thus delaying when I have to make the next scheduled payment and failing it apply it directly towards the 'Unpaid Principle Amount. ' When I then talk to them on the phone about this mistake they give me false information and a run-around conversation tactic claiming they do n't know how to explain this too me and refuse to fix the issue. They continue to tell me, there is no on else available to talk to, and they end end the conversation with me, saying that they are finished talking to me, and place me to a voicemail. When I searched the name of the finance manger whose vociemail they connect me to it dose not even show up on XXXX, which leads me to believe that this is a fake person : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: ME

Complaint narrative:
I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the " dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what " dark side '' the individual was referring to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I qualified for a loan for online college courses. The school qualified me for a XXXX loan for {$2700.00} subsidized and {$2500.00} unsubsidized. The loan was deferred for a period of time as well. Since XXXX my loan has been serviced through Navient. It was sold to them for {$6400.00} and I have had a few forbearances since then. I am unable to access the details of the forbearances on Navients website and they said they would fax the information to me. I am also unable to access any information on payment history or interest prior to XXXX. At each forbearance I was only told to bring my account current and they gave me an amount to pay. These were sweet deals considering I at the time was a single parent to XXXX pre-teens. They said nothing of the fees that would still accrue monthly. These fees would be taken out of this amount they asked me to pay monthly. To date I have paid a total of {$5200.00} with a balance of {$3300.00} remaining. At this rate of fees and interest I will not be able to catch up. No payoff date in site. I 've never been informed of an income driven repayment plan. I was always stirred into forbearance. The low payment monthly works however, This loan is 10 years old now. 

I 'm seeking to have these monthly fees and the subsequent interest charged on top of it removed and I am seeking your help in doing so. 

Thank you! 
XXXX University XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern : XXXX has charged me for 2 months of unauthorized recurring charges to my credit card. 
I am requesting a refund of these unauthorized recurring charges. XXXX caused my card to be overdrawn, which incurred interest charges XXXX took it upon themselves to charge me without authorization. This is fraudulent behavior. 
I have contacted my credit card company to dispute these charges. 
I have also sent a message to XXXX. 
I will also notify and file a complaint with the XXXX XXXX. 

I am requesting reimbursement,. 
Thank you for your time and consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States - XXXX Customer Support Phone Numbers XXXX XXXX The following is an example of XXXX unethical and fraudulent unauthorized recurring charges : This an example of a person that experience the same issues that I am experiencing with your company. This example was discovered during my research of this issue. 

XXXX Unauthorized credit card changes and unethical behavior. 
XXXX XXXX XXXX XXXX, 2016 " I recently found out XXXX had signed me up for auto renewals without my expressed consent. I never received any kind of reminder or receipt of any kind of auto renewal and have now paid for a service I never used. I am now trying to seek reimbursement for this amount but it is still ... '' XXXX comments United States, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10 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: Credit Adjustments Inc
State: MN

Complaint narrative:
I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC
State: GA

Complaint narrative:
I brought a car with autotrackk it was paid off as of XXXX/XXXX/2010. when I was making my last payment the loan officer told me that it was a lease car and in order to have the title I would need to pay XXXX. I advised to the loan officer that they can come get the car because I was not told by the agent who I brought the car from that it was a lease car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank USA/ Target reports acct # XXXX, as a charge offb/bad debt of an amount they claim I owe of which you claim {$1100.00}. I have sent two certified letters to Target requesting validation of debt. The first certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16 and the second certified letter was sent on XXXX/XXXX/16 and received on XXXX/XXXX/16. Target noted on my credit reports that I was disputing but Target failed to provide a validation of debt. Target claimed to provide a validation of debt by sending copies of old credit card bills but DID NOT provide a contract bearing my signature. No such validation of debt was ever furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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:
I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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:
This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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: MD

Complaint narrative:
XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 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: NC

Complaint narrative:
After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.

Company response to consumer: Closed with explanation