vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: VA

Complaint narrative:
I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, 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 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My car was paid off by insurance over three years ago and the finance company is still showing it was 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Three months ago I file a complaint stating what happen with my TD Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am constantly receiving calls from TD Bank at work-for my ex husband-XXXX-he has never worked there so there is no reason for it. TD Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 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: CA

Complaint narrative:
I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. 
I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. 

At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I did not authorize or request credit from this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
Initially when I enrolled with XXXX ( changed name to XXXX XXXX XXXX ), I had hopes of getting job placement assistance along with being able to continue my education in a college. Since receiving my XXXX diploma, I have not been able to obtain a job in the XXXX industry and was never able to continue my education with a college without having to start over. I am now trying to attend college and the loan continues to appear and cause problems with financial aide. I 'm unable to pay the loan, it has been sold several times and I 'm unable to get my transcripts from the school now that they are closed. Also, with the school being closed now, it 's like I 've never attended any type of higher education. I 'm asking that this loan be forgiven in order for me to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
In this year of 2016, I has been receiving call from Arnold Scott Harris to resolve a debt with my Driver License. I spoke to a rep from their collection agency about resolving my debt with a payment plan. The rep told me if I do n't resolve this issue, The client will put a WARRANT for my arrest if the debt is not paid in a timely matter. I tried to set up a payment plan using my debit card, but the company took the funds out on the wrong day and month, which set my account to over draft. Once the rep stated that I can get arrested I went out and obtain XXXX pay day loans to Pay this balance in Full. I spoke to Client ( XXXX Circuit court in XXXX il ) which the lady rep stated that 's no way that will ever happen let alone the balance will not increased. I have called several times, where I asked to speak to a manager. Every time I am place on hold for a long period of time, no one ever returned back to phone or a call back was never giving when they told me the time frame was 48 hours. As, when I did speak to someone every time I called my call is just bounce from rep to rep, nothing was resolve at all. I even spoke to someone who recently call me back told me the REP did not ever say that, then call again and pushed the issue. Which I was told the Rep was wrong and should have never stated that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
A complaint was submitted on XXXX/XXXX/2015 ( XXXX/case # XXXX ) regarding Arnold Scott Harris , P. C. I received a collection letter dated XXXX XXXX, 2015 Notice # XXXX Account # XXXX Installment Payment {$24.00} Payment Plan Balance {$300.00}. This issue was suppose to have been resolved in XXXX approximately 4 months ago, and yet I received another collection notice which is n't for me. The individual is XXXX whom I do not know. I 'm certain in a 4 month period Arnold Scott Harris, Attorneys at Law could utilize better methods of locating the correct individual if need be. This issue was extremely stressful to me 4 months ago, which apparently was all for nothing and time consuming but I still have to do my part to inform this office since I 'd done so prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Adjustments Inc
State: CA

Complaint narrative:
still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: VA

Complaint narrative:
XXXX asks you to buy items to promote their sweepstakes. Although you pay them they do n't apply the correct payment, always leaving a balance you have to pay. I know I paid them in full. They call me XXXX or XXXX times a day, do n't leave a message and no identification of their telephone number which happens to be XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Debt validation was requested but collection agency never responded to request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I received a letter dated XX/XX/XXXX from Capio Partners with notice of debt related to a balance due from XXXX XXXX XXXX date of service was XX/XX/XXXX. I called to try and obtain more information as I have not had any communication from XXXX XXXX XXXX and was unaware of any balance owed. She immediately asked how I would like to arrange payment or they will report my debt to the credit bureau. I advised her that I have XXXX checking accounts and as this matter is aged, I am not sure whether I had already paid this balance and it would take time to research. She referred me to the Client rep, representing XXXX. I call that number and basically received the same notice that if I do not provide proof within a certain timeframe, they will report me to the credit bureau. Especially, since two years have transpired before I received any notices in this regard. 

I feel this is unfair collection methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Snow and Sauerteig LLP
State: OH

Complaint narrative:
My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JTM Capital Management, LLC
State: IA

Complaint narrative:
Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.

Company response to consumer: Closed with explanation