vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. 

Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. 

In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. 
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
i have never talked to them over the phone about debt or got any calls at all!! 
i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I had a home mortgage TD Bank, paid it off but kept the home equity loan open. The bank said we had to redo it differently into another home equity loan and we jumped through a XXXX hoops and got approved. I had a balance of $ 21K that was refinanced at a reasonable rate. Then we noticed that they were assessing us an addition $ 25/month. We called and they took it off, but it was there the next month. We called they took it off and said it should not be there, but again it was there this month. They have told us this charge was because our loan was below $ 20K, which it is not. We were never told about this charge and TD Bank is becoming hard to deal with. We pay the interest as part of the payback of the loan, I do not think this is legitimate to give people these underhanded charges. Your thoughts, please. 
PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank Credit Card Offer for TD Cash Rewards Visa offered {$200.00} cash back when spending {$1500.00} within 90 days of account opening. Never received the {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: FL

Complaint narrative:
We have a business account with TD Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could " go somewhere else if we did n't like how TD did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV

Complaint narrative:
SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I had a loan with TD auto finance. I refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent TD a check to payoff the loan and they have proof that the check was recieved by someone at td on XXXX XXXX. Since then they have not cashed the check and they are trying to get me to continue paying them. I 've called them multiple times and they ca n't seem to figure out what happened to the check. I showed them the proof it was recieved and they keep writing a note on the account to research the problem. That 's all they ever tell me. They even spoke to carter federal and admitted to them that their cashiers department is backed up. Well here we are a month later and in 4 days my account for td will be 30 days over due and it will be reported to the credit agency. I have excellent credit and I do n't want it ruined because of a company 's incompetence and failure to cash a check and post it to my account in a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
After 5 years on Heloc for my property and not other mortgage on it .I applied for a renewal of the loan. The procces started about 70 days ago.After being pre -approved and meeting several demands from the bank TD BANK. They failed to follow due proccess and declined my application based on wrong information based on untrue facts.TD bank after being notified several times about the wrong information .promised several times to make the correction but failed to actually do so. My Loan processor and the supervisor have conspired to get my loan denied by ignoring the true information and assuming wrong information. example : They stated that my home is a commercial property therefore no qualified for the loan. Despite being notified about the error several times by the bank local branch, by email, ( see enclosed records ) The Bank systemically look the other way and failed to give a a fair chance to get access to a home loan renewal.There have been a disregard for the fair housing law and the rules for a equal lending opportunity. 
Example : The loan was denied for having insufficient collateral, It was later found that the property appraisal and loan was excellent to their own admission. 
in Summary Td Bank have run my application at XXXX with a diligent manner, But shortly after with disregard for costumer care and with a obvious intention to deny the loan despitemy qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: RevSolve, Inc.
State: OR

Complaint narrative:
The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ

Complaint narrative:
First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: CA

Complaint narrative:
I have contacted this company with letters in order to have them verify and validate this loan they allegedly I owe and have know knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: NY

Complaint narrative:
I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: WA

Complaint narrative:
To Whom It May Concern I am getting jerked around by Sun West Mortage Company. 

What happened is when I first set up my automatic payment I wanted to make a {$1000.00} dollar payment each month. It would cover the payment and anything else was to go to principal. 
Sun West Mortgage Company decided to raise my monthly payment from {$890.00} to {$930.00} That was no problem since I was paying a XXXX dollars per month or so I thought. Turns out they added the {$100.00} the {$930.00} equaled {$1000.00}. It was {$39.00} more than I requested to be taken out. 
Subsequently, I did not have the extra {$39.00} but I did have over {$1000.00} dollars in the account. They said I had insufficient funds so they docked me {$15.00}. I know it does not sound like much but they threatened me with a bad credit score if I did not pay up immediately. I tried to call them over a half dozen times and one day in particular I was disconnected three times and that really chapped my hide. 
Sincerest regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation