vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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:
Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
XXXX XXXX, 2015 sent a letter requesting this debt to be validated and noted on my credit report. This has not been validated not noted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES
State: NC

Complaint narrative:
I was told that the loan was a grant, when I told them that I did not have a job, and I could not afford a loan.After 7 years passed they garnished my wages without any notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: PA

Complaint narrative:
Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from 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 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process.

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 2016-01-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Attempted to contact Navient on issues related to tax documentation for my student loans from XXXX College previously located in XXXX XXXX Minnesota. I needed to contact a department to clear up any issues regarding ineligibility for tax deductions. I called their customer service line listed on their website, I was routed to the collections team. I explained I would pay the past due balance online and asked to be transfered to the customer service, or any department that could clarify my tax information, the service rep advised he was unable to transfer me anywhere until my account was brought current. I spoke with his supervisor XXXX, who advised the same thing, once my account was 15 days past due they were unable to provide me a direct customer service line or transfer my call out. I do not believe this company should be able to withhold information on my account due to it being past due, by doing this they are not allowing me to correct my tax information and opening me up to risk on misrepresenting tax deduction information to the IRS. I clearly outlined I did not need the current years information, but instead needed to resolve an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Bank of America has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX, I became concerned about the housing market and potentially higher interest rates, so I went down to the bank to combine my " interest only/variable interest '' home equity line of credit with my mortgage, into a single loan with a fixed interest rate. The bank President advised me not to do this. In fact, he said interest rates would only continue to go down, but if they began to go up he would know well in advance of it happening in the consumer market and would contact me. He said he would include me on a list of names he kept on his computer, and would contact me if interest rates began to go up. If they went up, I could come into the bank and use my home equity line of credit to combine my loans into XXXX fixed-rate loan. When the housing crunch of XXXX hit, I received a letter from the Bank of America that my line of credit was reduced to nothing. I was now stuck with a XXXX credit card that the bank XXXX had advised me to get, that was getting ready to go from 0 % interest to a high variable rate of interest and a home equity line of credit that I was now unable to refinance into my mortgage with a fixed rate. I immediately went down to the bank to speak to the President that had advised me. I was told that he resigned and that there was nothing they could do to help me. I had to pay off the credit card with high interest. I lost my job in XXXX and have spent the last 14 years paying interest only on my home equity line of credit. My payments on the line of credit are set to go from {$220.00} to {$640.00} in XXXX of XXXX. I have not been able to afford refinancing on my own and the bank refused to help me because of my unstable employment status, even though I always pay my bills on time and have never missed a mortgage or home equity line of credit payment.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After reading the recent lawsuit against Navient, I feel empowered to share my experience with having my loan serviced by the company and the problem I had when they were XXXX. Basically I had trouble where I had lost my home XXXX. I had lack of correspondence with the loan company and they put me into default fairly quick. I was receiving calls by their collection servicing company at my place of work threatening to garnish my wages if I did not pay all of the loan balance upfront. They offered shady payment plans that did not make sense. After speaking with XXXX and letting them know they had been trying to contact me on all of the wrong avenues they pulled my loans out of default, but the company they they used ( can not remember the name ) kept calling me and harassing me for the balance they they no longer needed to collect. 

After my loan was back with XXXX they has casually offered me the option of forbearance as a way to not pay the loan for 6 months and offered for me to defer my payments rather then set up for a income-based payment plan that I am on now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, while I was in a deferment/forbearance period ( not currently paying on ) my XXXX student loans they sold them to VSAC Loan Services. I was not made aware of the transfer in ANY way. I figured I was still in my 2 year deferment period that XXXX offered.When the time was up I tried to contact XXXX with no luck, all they said was that my loan no longer existed. I searched everywhere online I could think of for my loan. In XXXX of XXXX it finally showed up on my credit report as being derogatory for this random place VSAC. I tried to contact them several times and they could n't locate my information, even though they reported me as delinquent. My loan was in limbo. Finally I got ahold of an amazing lady at the XXXX XXXX XXXX XXXX who helped me refurbish my loan and got me back on track. It was sold again by VSAC during this refurbishment to XXXX who I 've made every payment on time since this nightmare with VSAC. In conclusion, VSAC needs to take the derogatory report of those 7 months in XXXX.

Company response to consumer: Closed with explanation