vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 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:
On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from TD Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 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:
On XXXX/XXXX/2015 I went to TD Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: CA

Complaint narrative:
After Graduating from XXXX University on XX/XX/XXXX, I received a phone call in early XX/XX/XXXX from Great Lakes Financial urgently urging me to transfer all of my Federal Loans over to them. Not quite understanding the need, In trust I follower their recommendation. In the XXXX years that I have been paying on these XXXX loans, I have only paid {$2000.00} in Principal. Starting balance was {$53000.00} to date balance is {$51000.00}. My complaint is that I feel as though I was taken advantage of and see no end to the repayment of these loans. Below are current and previous loan information from my Great Lakes account web site. Please advise how I can improve my situation. 


Consolidation Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX Parent PLUS Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : 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 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been retiered for a number of years. My XXXX pension is giving me less and less dollars each month due to the constantly stronger dollar. 
Now I am starting up a small XXXX in order to make some extra income. To start up even a very small XXXX takes some money. I asked my bank, Chase, for a small loan but they did not even let me file an application. 

During this start up time money has been very tight and now and then the balance on my bank account dips under XXXX and I get hit with tons of fees for INSUFFICIENT FUNDS. 

During the past 12 months the bank has hit me for {$1300.00}. This is unacceptable. I am sure their lawyers have it covered so that it is legal but is it moral? NO! 

I had a fight with XXXX Bank about the mortgage on our house. Needless to say it is no longer our house. XXXX was very unfair in their dealing and they just recently agreed to pay a penalty of close to $ 1Billion for their wrongdoing! 

I took this info in writing to my bank office in Surprise, AZ but 2 months later I have still not got any answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: OR

Complaint narrative:
I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX

Complaint narrative:
Nationwide Credit , Inc. continues to call my place of employment where I am not able to receive calls.

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 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: CA

Complaint narrative:
I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
there is a hard inquire on my credit report that i didnt consent to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: OH

Complaint narrative:
I WAS CONNED- I WAS TOLD THAT THE BALANCE WOULD DECREASE EACH MONTH. I WAS TOLD THAT THE ROLLOVER WOULD LESSEN AND AFTER SO MANY PAYMENTS, I 'D BE PAID OFF- LIKE AN INSTALLMENT LOAN. TITLE LOANS DO N'T DECREASE WITH PAYMENTS- IT IS BASICALLY REFINANCED EACH TIME YOU DO N'T REPAY THE ENTIRE AMOUNT. THE REPRESENTATIVE MISREPRESENTED THIS FACT. WHENEVER I ASKED QUESTIONS ABOUT THE PROCESS, I WAS TOLD TO BORROW MORE MONEY. NOW I ASKED FOR AN EXTENSION FOR A PAYMENT AND I WAS TOLD THAT IN ORDER TO DO THAT I WOULD HAVE TO SURRENDER MY CAR IN ORDER TO PROCESS THAT REQUEST. EACH TIME I CALLED, THE MANAGER WOULD CALL SOMEONE OFFSITE NAMED XXXX AND ASK FOR EXTENSIONS, BUT HE 'D DENY THEM AND THEY WANTED ME TO COME TO THEIR SITE WITH THE VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: MI

Complaint narrative:
Why is the cut off for qualifying for PAYE XXXX XXXX? I started college in XX/XX/XXXX and thus got my first government loan then. My husband and I recently tried to get a mortgage ( we 've never missed a rent payment in the 7 years we 've rented ) but my monthly student loan payments were too high for us to qualify for a mortgage. I 'm on the IBR repayment plan but with my private student loans my monthly payments are more than XXXX % of our total monthly income ( and that does n't include my husband 's loans ). Will PAYE ever include borrowers before XX/XX/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 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Sterling Infosystems Inc.
State: IL

Complaint narrative:
XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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:
TD Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. 
They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. 
Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. 
I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. 
This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. 
I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. 
XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. 
Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Action Financial Services, LLC
State: OH

Complaint narrative:
To Whom This May Concern : I took a loan in XXXX from the Dept of Ed. Today I received a letter from Action Financial Services for a default on my student loan and this is XXXX of many. I last paid {$50.00} to the Dept of Ed XXXX XXXX 2016. They stopped sending the bill. This happens after paying right before the XXXX payment which throws me back in default. I keep trying to reach the Dept of Ed to get the bill sent to : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX which is me who is typing the complain. 
They have went as far as taken my tax returns and NEVER applied then to the loans. I 'm concerned because they 'll tax my returns this year. I 'm at the point I 'm tired of fighting to get US Dept of Ed to except payment from me. 
I 'm a single Mom with a XXXX child that depends on my returns. I feel I 'm being scammed even thought I 've paid on and off for 10 years.I want a break down of all payments and I want to see where they applied my tax return. I 'm fighting a loosing battle. I 've spent hours of my time trying to do the right thing and pay my loan.I feel harassed by Action Financial Services XXXX CA XXXX. They wanted me to make payments to them when actually I was paying the dept of ed. 
I need this resolved with a break down of payments. All I want is to pay the bill to Dept of ED and not be harassed by AFS. At this point the time spent arguing to pay I should charge then hourly. I 'd love to be forgiven for this loan because of hardship and harassment. 
Please look into how I can start getting my bill mailed directly to me from the Dept of Ed Sincerely. 
XXXX Ohio XXXX XXXX ( cell Phone )

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