vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.

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 2016-01-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: CT

Complaint narrative:
I have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l.
State: OH

Complaint narrative:
Called my place of employment. The caller said that this was a personal business matter and asked for my social security number twice and then asked for my birthdate to comfirm it was me that they needed to speak with. I asked the caller what does this pertain to and his name and company who he is with and he would not tell me until I gave him my social security number and birthdate. I told him that this is a scam and I am not giving such information out and I told him to stop calling or I would report him. I work for the government and this caused a security breach within my department due to the nature of this call. I was highly embarrassed and my supervisors are all concerned due the the nature of this call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I have been a victim of identity theft have tried disputing this multiple times with this agency and they fail to provide any resolution. My last attempt i asked multiple times for a timeline for a dispute and they stated they dont have one since i wont let them call my cell. The tactics are very harrasing and they seem unwilling to work with a consumer where these items are a clear indication of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: MS

Complaint narrative:
Today I was contacted by Nationwide Credit Inc stating that I owe a bill in the amount of {$220.00} regarding terminix. I contacted terminix on several attempts and as of today 's date I have never received a corrected bill from their accounting office in order to pay what is owed. Every time I call their office it is a difference amount than what is on the original bill and as of today 's date this collection is also for a different amount than what they have stated I owed. I can not pay a bill if a company is not sure of what I owe nor can a bill be paid when I have never received a corrected copy in order to pay it. I was advised that I would receive a discount on my bill for customer loyalty and as of today 's date that has never been discounted and also I have never received a bill that showed the corrected amount to pay. Today I received a bill from Naitonwide Credit advising I needed to pay {$220.00}. I have never owed {$220.00} to this company and do not know where this amount has been calculated from and what for it has now became a form of blind payment system. Throwing money on a bill and never receiving or paying more than what is owed in order to satisfy a greedy company that does not live up to what they said you owe and for services that have not been rendered.

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 2016-12-28 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: WI

Complaint narrative:
Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: PA

Complaint narrative:
In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: TX

Complaint narrative:
My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TN

Complaint narrative:
I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: KY

Complaint narrative:
On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MO

Complaint narrative:
On thursd XXXX/XXXX/15 my employer sent my direct deposit to Rushcard. Rushcard then ppsted my deposit to my other card on my account. I tried to withdraw the money and my pin was not working. My card was inactive. I called rushcard and after a whole day on the phone i finally got it activated but was unable to change my pin. I then did a card to card transfer figuring that i would be able to take the money off that way. My full balance of XXXX showed up for XXXX mins then dropped to XXXX. I have not been able to access my money or get a straight answer as to why from rushcard since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: INVESTORS BANK
State: NY

Complaint narrative:
I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation