vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: ID

Complaint narrative:
We refinanced our home with XXXX, who sold our mortgage to SunWest Mortgage. We set up our mortgage on automatic payment, so there have been no late fees. 
An escrow account was set up as part of the refinance. We were supposed to have two months " buffer, '' and during the refinance, {$480.00} was placed in the escrow account, with {$300.00} escrow payment due each month to cover Homeowner 's Insurance, FHA Insurance, and County Taxes. We just completed our first year, and our property taxes went up by {$100.00} for the year. As of today, we had over {$700.00} in our account, which is more than the 2-month buffer. 
SWMC raised our mortgage from {$1300.00} to {$1400.00} and they claimed they want our " starting balance for the new year '' to be {$1100.00}, which is about 4-5 times the original 2-month buffer. 
SWMC claims it is for the upcoming year 's anticipated " shortage '' based on their " analysis. '' Our escrow only covers 3 items to analyze as previously stated : Property taxes, FHA Insurance, and Homeowner 's Insurance. The FHA Insurance is not going up. The Homeowner 's Insurance has no claims ( and has never had a claim in 10 years ), so its rates are n't going up. That leaves an anticipated increase in property taxes. 
From the time we refinanced until this year, there was a {$50.00} shortage in our taxes, which they just took out this month. 
Currently, we were told we have a $ XXXX balance, and our taxes are due in XXXX. SWMC wants to pay the taxes early ( in XXXX ), claiming that when they do so, we will be in the negative because they will also pay FHA at the end of the month. 
They raised our Escrow to {$310.00} ( from {$300.00} ) to cover the difference in taxes. Then they added another $ XXXX/mo on top of the adjusted escrow payment each month. The new escrow payment is high enough that it will cover ALL payments ( taxes, property insurance, and FHA insurance ), and by this time next year, the buffer will still be there. 
Basically, SWMC wants to add another {$500.00} slush fund at our expense, yet they have absolutely no mathematical or legal justification to take this extra {$500.00}. 
The Math : FHA Insurance {$150.00} X 12 months = {$1800.00}. 
Property/Hazard Insurance ( 12 months ) {$650.00}. 
Property Taxes ( 12 Months ) {$1300.00} TOTAL YEARLY REQUIRED ESCROW $ XXXX Monthly escrow amount needed to cover {$3800.00} charges : $ XXXX/month Current Principal and Interest payment : {$1000.00} + {$320.00} ( adjusted for tax increase ) TOTAL NEW PAYMENT : {$130000.00} SWMC NEW Payment : {$1400.00} If the $ XXXX/month payment shown above covers ALL escrow expenditures IN FULL, and borrowers still have the 2 month required buffer, how can they legally raise our payment an ADDITIONAL $ XXXX/mo. ( $ XXXX/yr ) above the newly adjusted, higher escrow amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 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: IL

Complaint narrative:
Since XXXX 2016 as I applied for an income driven repayment plan, I have received conflicting information from numerous reps and multiple managers regarding whether I should I expect an interest subsidy to apply to my account with Great Lakes after my monthly payment amount changed in year two of the income driven repayment plan. After the subsidy did not post in XXXX, I was told that I should still expect the subsidy but that it was delayed because my payment plan did begin until the following month on XXXX XXXX. I called repeatedly in XXXX to confirm and was told I should expect the subsidy by XXXX XXXX, but I did not receive a subsidy by the end of the month. I called on the first business day of XXXX and by the following day and multiple calls, I was told that by XXXX XXXX I should expect an interest subsidy and that there was a delay from the government in posting interest subsidies. After the subsidy did not post by XXXX XXXX, I was told on XXXX XXXX that I would not qualify for an interest subsidy because my new payment amount is higher than the subsidy. This was a simple piece of information that multiple representatives and managers missed from XXXX through XXXX. This misinformation negatively affected my ability to plan financially and has caused me to make payments on unsubsidized loans with lower interest rates because I expected the subsidy on the subsidized loans. As a financial service company, multiple guesses and examples of misinformation over an extended period of time are unacceptable. I am also concerned by the final manager I spoke with advising me to apply for removal from the income driven repayment plan with the idea of letting my loans be forgiven after 20 years. Not only was I misinformed, but I was encouraged to keep up with my minimum payments, which would cause me to pay significantly more over the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: ND

Complaint narrative:
I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

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 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Prince Parker & Associates
State: IN

Complaint narrative:
They will not quit calling my wife and I as well as my employer by phone, but we have yet to receive anything in the mail from this company. How do I know it is legitimate without that information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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: NJ

Complaint narrative:
Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 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:
My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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:
I have mailed privicay and Opt-Out Instructions for all my accounts Great Lakes XXXX XXXX is servicing to both the Department of Education with whom responded advising me to send notice to my loan server Great Lakes. 
Opt-Out Instructions for Account # XXXX Dear US Department of Education/Great Lakes XXXX XXXX : Following are my instructions with regard to your information sharing and Opt-Out policies : 1. You do not have my consent/permission to share my personally identifiable information with any nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act the ( Gramm-Leach-Bliley Act 15 U.S.C 1682 and 17 CFR 248.7 ) to opt-out of any sharing or sales of my personal information by your company. 

2. You do not have my consent/permission to share my personally identifiable information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 

3. I Request a copy of your company 's Privacy Policy and opt-out methods that states how you handle my personal information. Only what is " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my consent/permission to disclose any information about me, including transaction and experience information, to any of your affiliates. 

* You do not have my consent/permission to disclose any information about me in connection with direct marketing agreements between your company and another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Auto Trakk, LLC
State: FL

Complaint narrative:
i lease a 2014 XXXX from autotrakk out XXXX PA found later the car has off the market parts valued at over {$3000.00} dealer has refused to replaced oiginal parts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX of this year, when applying for a new home, I found out that TD Bank modified a current loan that I have with them, without my knowledge or consent. 
This loan is a mortgage that I entered into with my now ex wife. I am the borrower and my ex wife is the co- borrower. 
My ex wife was awarded our marital home during our divorce in XXXX however, a refi was never done and I remain on the loan. Under our divorce decree, she is to sell the home once our youngest child reaches 18 years of age. After the sell, I am suppose to be awarded {$22000.00} for my share of the homes equity. 
In XXXX of XXXX my ex wife applied for a loan modification with TD Bank. TD Bank ran my credit and approved this loan modification without ever contacting me or receiving my consent. When I found out about the modification I contacted TD Bank but was only passed along from person to person without any answers. After several attempts to reach someone in management I finally spoke with a young lady who tried to resolve the issue by asking me to sign a quick claim deed so that I could be removed from the loan but she explained that if I signed the quick claim deed that I would no longer be able to receive the settlement amount of XXXX that is stated in my divorce decree. I did not sign the quick claim deed. They have committed fraud. I should not lose out on what has been awarded to me because of their malpractice. I want to be removed from this loan immediately so that i can move forward with my life.

Company response to consumer: Closed with explanation