vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a XXXX in XXXX who has been banking with Bank of America since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Bank of America ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Bank of America 's compliance with consumer protection regulation and other banking regulation such as SEC filings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have had a savings account with TD Bank since 2011. Last week, based on a conversation with a bank teller at the following TD Bank , N.A . location ( XXXX, XXXX, PA XXXX ), I was told that the type of savings account I currently had ( interest rate of .15 % ) was no longer offered. I was also told that I should have been switched to a high yield interest savings account ( interest rate of .50 % ), however, no attempt by TD was made to communicate/switch the following : ( a ) communicate that my current savings account was no longer offered ( b ) communicate that I qualified for other savings accounts actively being offered ( all of which had higher interest rates ) ( c ) switch me into a savings account automatically that I qualified for. 
Additionally, as none of the current savings account offerings at TD had any major fees/restrictions, THERE IS ABSOLUTELY NO REASON ANY CUSTOMER WOULD HAVE ANY ISSUE BEING SWITCHED INTO A HIGHER INTEREST RATE SAVINGS ACCOUNT. This suggests that TD Bank may be solely interested in their own financial gain at the expense of the customer who is kept in the dark. 

What makes matters worse is that I have qualified for high yield savings accounts since I opened an account in 2011 ( as no minimum balance is required ) ; certain years I was receiving the appropriate interest and other years I was not. I raised this concern with the XXXX/Store Manager who told me they would not compensate me for interest that I would have accrued during the years that my interest was sub .20 %. The irony is that I am only asking for the minimal interest I feel I am owed on the LARGE balance I maintain in my savings account and not the profit TD made reinvesting my money over the past 6 years which, I can assure you, is a much larger amount than the interest I would have received in the first place. 

In closing, although my primary concern is my own financial situation, this may be part of a much larger and potentially more serious issue whereby TD Bank is not being open and transparent about the status of their customers accounts ( e.g. when accounts are created/changed/no longer offered ) and the financial impact it may have on their customers. As we saw with XXXX ( where accounts were being created/cash was being moved to boost sales numbers without customer authorization/intervention ), my suggestion would be that you open a full investigation as to how TD manages their customers bank accounts and, perhaps more importantly, the extent to which they attempt to communicate the best banking services/solutions for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Sokaogon Finance, Inc.
State: NJ

Complaint narrative:
I did a payday loan through WhitePine Lending. I didnt know it wasnt legal in my state ( NJ ) nor did I expect it to cost as much as it did. I felt as if I was constantly paying and the debt was never cleared. Now I am getting phone calls at my job and they are telling me they will garnish my pay. 

I also did a payday loan through XXXX. They are also calling my job now trying to do a settlement. I 've done a settlement before with XXXX ( XXXX difference companies yes, ) and I was scammed. I paid XXXX $ and I still had a balance, and it was n't cleared from my name. I do n't know how I feel about doing a settlement. The man was rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
this is XXXX her fiancee she is unavailable. I am requesting all copies sent to address of record and will be forwared as we will likely go to court. on this ALL ISSUES REMAIN UNRESOLVED WITH DISCOVER ACCOUNT IS ACCRUING LATE FEES LIKE NONE OF HER ACCOUNTS DO she has never had to stop paying an account due to lack of help here. nothing resolved. no dissatisfaction. disputing fees should not be taken off and as such will wait til its in default, then take legal action showing all attempts to resolve. All that happens is the complaints keep going to the same person who keeps stone walling and scriptiing to death NOTHING RESOLVED. return all letters saying the same nonsense. with no resolution. [ please see previous complaints. ALL complaints made to discover where a bank would reasonably have responded and helped a customer have not occured. Fees that would have been returned despite a Credit agreement ignored and refused, differnetial treatment as well Saying the " spcialty team '' has to get back to you. XXXX is not being paid until it defaults at which time we will take legal action. Others interest due to the refusal to help must be credited. A lawyer will be in touch shortly with discover. I ask this agency to take note that a law protecting consumers must be passed and contact with legislators on this has been made and i need all copies of complaints that are not resolved in any way sent to us. As of today XX/XX/XXXX there is a late fee AGAIN on XXXX A judge will see XXXX never defaults. this appears to be the only way to handle them. Now i will get a message saying some XXXX is " investigating '' and nothing comes of it. Any bank after 30 years of business would help. this one THINKS it will get the money we will go to court no fees, interest will be paid and when we call in no specialty team referral we get normal help or we dont call. A POA was filed as XXXX is currently hospitalized. i will not let this proceed this way

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
THIS COMPANY PRESSLER AND PRESSLER LOCATED AT XXXX XXXX XXXX XXXX, NJ XXXX THIS FIRM IS KNOWN TO RIPP PEOPLE OFF, IT 'S TIME TO REVEAL THIS LAW FIRM FOR WHO THEY ARE THEY THREAT PEOPLES, THEY BECAME RICH RIPPING PEOPLE COLLECTING OFF THE POOR, THIS FIRM NEEDS TOO BE SHUT DOWN THEY ARE FRAUDLENT LAW FIRM, THE ARE THREATING TO TAKE MY FUNDS, PLEAS INVETIGATE THIS XXXX, THEY ARE HARASSING ME THIS IS UNJUST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts. 
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed. 

2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX. I live in XXXX, CA. My property is XXXX XXXX XXXX, XXXX, CA XXXX. I have a very serious problem going on right now. I have a sale date scheduled for my home on XX/XX/2017. My servicer now is Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC. My previous servicer was XXXX XXXX XXXX, XXXX ( XXXX ). I was under a loan modification review with XXXX and out of nowhere I receive a letter from Shellpoint Mortgage saying they are the new servicers while after receiving that letter I was still getting correspondence from XXXX for a very long time. I was very confused as to who was the real servicer was. That put me in a very bad stop because I never received goodbye letter from XXXX saying they have transferred my loan to another company. I was scared what if this Shellpoint mortgage was a scam company asking for my documentation. 
Back when the crisis happened my business went down. I lost my job and my income. I could not pay my mortgage. After a while I got back up on my feet. Found a job, my income got getter and increased. But it was still not enough to pay my mortgage so I turned to apply for a loan modification with the bank at that time. I got approved, they gave me a trial period payment it 's a three payment process. I paid, but as soon as I made the 3 payments in a course of three months they sold me to another bank, that bank did the same thing three payments and then sold me. Now I 've been working with XXXX XXXX XXXX for over four years now. It 's always a game with them. I apply, send them all requested documents, wait send more documents, wait, then a sale comes up, I XXXX out, I XXXX, I give them everything and they still try to sell the home. I already am exhausting all my energy. I want to keep my home, I want to pay my mortgage but can not because I never get offered anything. How much longer will I have to wait and keep this going? 1 year? 3 years? Will I ever get a chance to pay my mortgage at an affordable monthly payment? A loan modification is supposed to help me but I ca n't even get an offer. I now have a Sale date that is scheduled for XX/XX/2017 and I 'm scared that they will sell my home after all these years trying and me and my family will be left out on the streets. I called Shellpoint Mortgage Servicing and they said they have received all my documents but they can not talk to me other than their legal team. I asked for them to give me the legal teams contact information they said that someone will call you in 5 business days. By that time my home will be sold. I need to talk to someone now. No one will talk to me and they said that I do not have a single point of contact. I believe they have and are violating my Homeowner Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Harassment phone calls from Capital one Bank on XX/XX/2016 XXXX and XX/XX/2016 XXXX form number XXXX, XXXX. This bank already closed all my accounts without my consent since XX/XX/2016. Currently I have NO any banking relationship with this bank. Therefore I can not accept any harassment phone calls from this bank as the complaint filed before. By filing this complaint, I continue collect the debt from this bank who owed me the following debt : Customer never received {$9.00}. Customer also ask {$80000.00} plus 20 % interest, {$100.00} late fee each month for 36 months, {$150.00} travel expense, {$4800.00} personal time to collect funds, XXXX XXXX. 
Theft XXXX should go to jail 20 years for stealing funds, stealing bank statement, close account, change address etc. without account holder 's consent. 
Capital One also owe me {$35.00} cash bonus plus some other promotional bonus {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had made arrangements with a capitol one cc that I owed. I have made my payments@XXXX/mo that was XXXX more than agreed. Capital one apparently went against their word and had a judgement put against me in which I was never notified in any way. I just found this out on line and it was done in XXXX CT court. I was not notified and given my rights to defend myself. Now due to only collecting social security I am Far below the poverty limit. I feel this case should be reopened to where I am entitled to my federal and state law rights.I did put a dispute in with XXXX but they like always they are known to favor the company that is a hard known fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Since XXXX 2015, USAA have been returning items specifically to XXXX and charging my account an NSF in the amount of {$29.00}. It was my position that these items were being fraudulently returned to collect NSF fees since I did in fact have the funds available to cover the transactions if USAA did n't charge an NSF first. However, I was not receiving overdraft notices to verify my balance and the way the ledger reads online I had enough money available when the transactions were posted to my account if the USAA processing department actually posted the transaction before charging an NSF fee. Since XXXX 2015 I had not received any NSF notices to support my position. However, this past week I received my very first NSF notice and it confirmed my position for the last year and half. I did have enough money to cover the XXXX transaction in the amount of {$38.00} because I had {$51.00} in my account according to the notice that was sent to my email. Regardless of that fact, USAA returned the transaction to XXXX so not only did I have to pay {$29.00} NSF fee for an item that should have posted and cleared my account but also I had to pay yet again {$25.00} to XXXX. Over this last year I have had to pay between {$1000.00} and {$1500.00} in fees to USAA and XXXX for the same type of issue. It is my hope that your office can assist me and other consumers who are being taxed by USAA and XXXX for fraudulent fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: Diversified Consultants, Inc.
State: NV

Complaint narrative:
This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief