vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a savings account and debit card with TD Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees TD Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. TD Bank instructed us to file a police report XXXX which we did. An investigation by TD was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a TD Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but TD Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have a Nationstar Mortgage after my loan was sold to them. It was with XXXX, who sold to XXXX XXXX XXXX. They sold my loan to Nationstar Mortgage. It has been a rollercoaster since Nationstar took over my loan. After being denied the affordable home loan application b/c I no longer live in my house. I continued to make my payments at 5.75 % on XXXX loan. Recently there was a XXXX in the house so I had to setup a payment plan to fix the problems with the house. Long story short. They have been sending my payment back. I call and when I finally get a person on the phone, they note my account about my payment being sent in and satisfied with my payment and the process I am paying. I can not use their online service b/c when setting up a new bank account my payment was rejected. So due to that happening XXXX I can not make online payments anymore b/c they wo n't allow me too. This month my payment plan payment of {$2500.00} was return to me after funds came out of my account and went to them. THey rejected the funds and sent them back to me. I called and they stated they did not know why. I then stated I would pay the account to bring it current since it was the last payment in my plan and paid fees for that last payment. I sent {$2800.00}. They again rejected my payment and sent it back. Each time fees have been charged to my account. I continue to give them my money b/c it is my debt and my obligation and the right thing. Yet they make it difficult to pay and then continue fee me? Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc
State: SD

Complaint narrative:
I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: MI

Complaint narrative:
I have contacted them in regards to fraud on my student loan account. I had XXXX other federal student loans that were founds out to be fraudulent. I 've been going back and fourth and filled a fraud case and they keep coming back saying that the amount is mine when it is not. I 'm lost and not sure what to do, I have been able to get all other fraudulent items off of my credit report besides this and they really are no help to me in figuring this out. Mean while the interest keeps going up but the entire loan is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROBERT TIMMS AND ASSOCIATES INC.
State: MO

Complaint narrative:
i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.

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 2016-10-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
It took almost 10 years to be able to enter the rehabilitation program since NYS Higher Education Services would not agree to a reasonable monthly " good faith '' payment in addition to the 15 % of my salary they were already garnishing even after the rule were changed a couple of years ago. They would also periodically sell my loan to other companies such as XXXX who also would n't offer a reasonable payment. When I offered a affordable figure they denied it again even after providing my financials AGAIN so I threatened legal action as it benefits them to keep a loan in garnishment. They make THOUSANDS in fees and not one penny is paid toward the principal. I have been paying this loan for 20 years ... yes 20 years and most of what I have paid has not been applied to the garnishment. ( The loan is now MUCH MORE than it was when it began 20 yrs ago ) This finally made them agree to the monthly amount I suggested and they advised in 5 months of payments they would end the garnishment. So 5 payments were made and on XX/XX/XXXX I was told papers would be sent to my employer advising them to stop the garnishment. 4 phone calls,3 customer service people and a supervisor and it took 6 weeks to actually get that letter faxed. The letter was then dated on the day it was sent ( XX/XX/XXXX ) instead of dated XX/XX/XXXX like it should have been. The garnishment was never stopped and now I ca n't get an answer to when they will repay the {$800.00} or so dollars that was garnished and should n't have been. They are not in compliance with the program. NYS HESC is possibly the worst lender to deal with. I 'm not sure how any of this is legal and why the government allows students to be XXXX this way. This loan will indeed outlive me. I am currently waiting to see exactly how long the reimbursement will take. It 's a bad joke really ... how many NYS HESC employees does it take to fax a letter??? ... answer:4. Yes, 4 people needed to be involved in printing and faxing a letter. 
We are expected to jump through all their hoops and comply with the program or we get kicked out and continue to live with decimated credit scores while they sit back and collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company
State: WA

Complaint narrative:
Dear XXXX XXXX, I am reaching out to you in hopes that you will hear my concerns, provide me with some assistance or direct me in the right direction. 

Recently, I completed a pre-qualifying mortgage application XXXX. I used the company 's in-house mortgage broker DHI XXXX, which is a subsidiary XXXX. The amount I requested to finance was in the sum of {$210.00} dollars. After a review of my credit, I was told I did not qualify for any of the FHA Home Advantage Programs, which would provide downpayment assistance, closing costs and credits towards mortgage insurance. I was told by DHI Mortgage that my income debt to ratio was to high, specifically with regards to my student loan debt. 

I have a credit score between XXXX and XXXX depending on the credit reporting agency that is reporting. In 26 years, I have never missed a payment or have had a delinquency reported XXXX. My credit history clearly demonstrates that I am credit worthy individual. 

The following is some background information. When my credit file was reviewed by DHI Mortgage XXXX my student loan payment was reporting {$1200.00} dollars a month, which was totally inaccurate. My payment will NEVER be calculated anywhere close to that amount being a teacher in a public school system. I contacted my loan servicer and the payment was recalculated at {$330.00}, which is 15 percent of maximum amount of discretionary income. The payment will be adjusted again in XXXX 2015 under new provisions to the Health Care and Education Reconciliation Act ( HCERA ). The new adjusted monthly payment will be approximately {$230.00} dollars, which falls under the maximum limit set fourth by HCERA of 10 percent of discretionary income. Furthermore, I am a public servant who is enrolled in the XXXX Loan Forgiveness program. After XXXX qualifying payments my federal student loans will be discharged. Is any of this information factored in? 

None of this makes any sense to me. My current apartment lease cost me {$1600.00} + a month. Now, had I meet the " guidelines '' according to DHI Mortgage my monthly mortgage payment would have been {$1200.00} dollars. This would have included taxes, mortgage insurance and homeowner association fees. 

Something is very wrong here. My goal is to get a better understanding. I am very concerned about how my credit information was evaluated for programs under the Washington State XXXX and the Federal Government. I have included a couple of links below for reference points as well as XXXX attachments. 


https : XXXX : XXXX : //www.forgetstudentloandebt.com/student-loan-relief-programs/federal-student-loan-relief/federal-forgiveness-programs/president-obamas-student-loan-forgiveness-program/I appreciate you taking the time to review my concerns. 


Respectfully, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: VA

Complaint narrative:
I have received a letter from National Recovery Agency for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Advertising, marketing or disclosures — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
I have been calling Rushcard for 4 days in a row in regards to not being able to access my money. I am either told the problem will be fixed in 1 business day, which it is not. Or put on hold when I ask for a supervisor and no one comes to the phone and I end up giving up after XXXX40 minutes on hold. I have bills that are now late and being charge late fee etc. I asked to be transferred to a representative in the United States and they advised they could not do that, which I thought was some sort of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX and as of XXXX XXXX I am unable to access my funds from Rushcard that 's all it needs to be said I have my money and they wo n't let it go and its been 10 days.They say it 's a glitch in the computer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: MI

Complaint narrative:
This is a physician 's bill that resulted from a visit, for my daughter, to the emergency department. I provided insurance information to the hospital billing department for processing and assumed this bill had been taken care of. In XXXX, an account from Gold Key Credit Services appeared on my credit report and I immediately called the company to inquire about the debt. Gold Key stated that the original creditor was never provided with the insurance information for billing from the hospital and was never able to collect payment. I did provide Gold Key with the necessary insurance information via fax on XX/XX/2016 to fax number XXXX for the bill to be sent back to the original creditor and submitted to the insurance for payment. The insurance is Michigan XXXX therefore the bill will be paid at 100 % - It has been over 60 days and the account is still showing on my credit report.

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 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION
State: MN

Complaint narrative:
Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.

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 2015-11-01 00:00:00
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: NJ

Complaint narrative:
They was suppose to send me a new card and it never came and they wo n't re activate my old. My car insurance will cancel tomorrow my rent late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
I am a Rushcard victim who has not been able to access my money for eight days. Rushcard did a system upgrade with a glitch in it causing thousands to be without their money. In my case they put my direct deposit on expired Rushcards instead of the new cards I have been using since XXXX 2015. I have emailed, called just to be hung up on, spoken with different Customer Service Reps just to be told different things. When you call they act like they do n't know how to help you or they are just plain rude. People ca n't pay bills, ca n't feed their kids, ca n't make it to work, has lost jobs behind XXXX XXXX Rushcard. We trusted him to protect our money who is going to protect us from him. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
I reported my card lost/stolen on the night of XXXX XXXX 2016, at the time I wanted to expedite my replacement card, I was told that i would have to wait I would have to wait til Monday. Monday morning I call and I am told the hold is still on my account. Tuesday XXXX XXXX, I call with the same request, this time they tell me the card was sent. I asked how this was possible, they had no answer for that question. I asked for time of delivery and they said XXXX10 business days, so I tell them i have financial obligations I need to take care of, so we setup another replacement card to be expedited ( XXXX3 business days ). i did not receive it in the time allotted, i have talked to these Representative countless times and this still no mitigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. 

On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. 

All communication has been in writing as required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
when ever i make a purchase my rush card hold more then my purchase was

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I have a prepaid rush card. My direct deposit was deposited today and I went to pay for something with my card and the funds were not available. I had used the card previously and everything was fine. I repeatedly called customer service but I kept getting disconnected. I went online and noticed there was an unauthorized transaction in the amount of XXXX from XXXX XXXX XXXX Bank. I have no idea where this transaction came from. I did NOT authorize it. I was unable to pay my bill due to this issue and I am asking for immediate reimbursement.

Company response to consumer: Closed with non-monetary relief