vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: NJ

Complaint narrative:
I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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: AZ

Complaint narrative:
Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: OH

Complaint narrative:
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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 small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: PA

Complaint narrative:
Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: IL

Complaint narrative:
The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient is the loan servicer for my wifes student loans, FAFSA, we have been making payments on these loans for several months but Navient keeps sending the checks back to us and changing the address where we need to send them. I have been trying to sort this out with them and I am getting no where. they have since ruined my credit because they say my payments have been late. I am getting fed up, they now are telling me they will not except checks anymore and only debit or credit cards will be the excepted form of payment. I should not have to give them a personal debit or credit card number because this only gives them the right to invade my bank account or credit card account to steal money. All I want to do is pay these loans as agreed, why are they so difficult to deal with? they are rude, and down right hostile about any inquiries I made, and they call up to twice a day sometimes. this is really unethical and I am fed up with the whole thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: MN

Complaint narrative:
XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Pinnacle Financial Group, Inc.
State: NC

Complaint narrative:
Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending
State: CA

Complaint narrative:
XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.

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 2015-05-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: CA

Complaint narrative:
I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you.

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 2016-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation