vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a pending transaction in my account and transferred funds to cover it the same day, TD bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not TD Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Arnold Scott Harris, P.C.
State: NM

Complaint narrative:
Arnold Scott Harris, the collection company - that poses as a law firm -for the XXXX of XXXX XXXX of finance ( parking and red light camera violations ) is a highly disreputable company that we have had the unfortunate opportunity to interact with on numerous occassions. They fraudulently over-collected over {$320.00} in the past 5 years. Since moving out of XXXX in early XXXX, they have been trying to collect on an additional {$450.00} of disputed, value-tripled tickets. Their newest tactic, after threats of legal action and wage garnishment, is to call my phone at XXXX in the morning on a Saturday. They know we have relocated to New Mexico, as they have sent written correspondence to our new residence, so there is no excuse for not being aware of the difference in time zones, particularly on a Saturday morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I keep contacting the CFPB regarding unlawful fees that TD Bank keeps taking out of my account. Not only did TD bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard TD bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC

Complaint narrative:
This creditor is extremely aggressive in their collection practice they are harassing me not only at work but on my cell phone as well. I 'm trying to work somthing out with them but they are treating me like a dog. Can you please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Auto Trakk, LLC
State: MI

Complaint narrative:
They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank gave us a mortgage commitment in writing days before closing. When the day of closing arrived we were told, no it is not a firm commitment UNLESS you take out a line of credit for XXXX with them, open a checking account with them and close certain credit cards. All of this on the day of closing. We did not have a lawyer with us at closing, just realtor. They held the mortgage hostage basically on the day of closing until we agreed to these terms. We should have walked away but we did not. Our furniture was on struck, utilities were called, our former home was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. 
I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. 
I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. 
Please, help me! : ( they call every day! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: SC

Complaint narrative:
I am a XXXX year old who thought it would be great to get a college degree. I enrolled at XXXX University in XXXX, NC XX/XX/XXXX. I guess I was XXXX at the time and started a XXXX Degree in XXXX XXXX XXXX. To date, I do n't know why. When I realized how difficult and long the process would be I switched to an XXXX in XXXX program. Throughout the whole process ( which moves very quickly ) I was charged for electronic books and other tools that I did n't order. I was buying used books on my own. I never realized what the entire expense would be and when I began to receive notifications, I decided to resign. I came away just feeling ill-advised and victimized. I started with a {$10000.00}. balance and after paying on it for three years, I still owe {$9500.00}. The interest alone from XX/XX/XXXX to XX/XX/XXXX was over {$3300.00}. 
I am at a loss as to what to do about it because I want to stop working and retire, but I do n't want to ruin our credit. Is there hope for me? I just feel I should have received better counseling and advise from the College and I really resent having this responsibility. 
I know I must stand up for my decisions but I just feel I was bamboozled. 
Very sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MO

Complaint narrative:
Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # 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 2015-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: AZ

Complaint narrative:
When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.

Company response to consumer: Closed with explanation